Honestly, that's not realistic for your relationship or situation. If the SO isn't that significant, you could entertain that question about which would be better for a career in surgery. But if you have to plan a wedding, joint bank accounts and insurance, taxes, the other person's career, potential children and parent care, then geography matters a lot. This isn't an academic question where you can easily isolate one factor and determine an answer.'
This will not change when you have to choose a residency. Watch and learn
If she wants you to be closer to home, would the 120K debt be a long-term savings when it comes to housing, wedding/marriage, taxes, moving, travel, HER career, or other life expenses of living together? I would hate to also ask, what if living with each other (which you say you both haven't done) doesn't work out? You willing to put a ring on it and set a date? That could ultimately change your financial aid calculations.