I've gone to more than my fair share of universities (a small state school for classes in HS, a small but well respected [expensive] college immediately after HS, a small [inexpensive] college that I graduated from, and a top 10 that I teach undergrad classes at) so I have a bit of first hand perspective.
First, the short response: go somewhere that you'll be challenged, that you'd be happy to live, and that would set you up for success in any career you may choose down the line. So, assuming the top 10 isn't going to massacre you financially, go there.
There have been huge differences between all the schools I've gone to, and they can't be compared only by "great school" vs "podunk U". For example, the private school I briefly attended had very limited course offerings, was in a secluded area, and was extremely expensive. There were very few elective courses I could take in any given major, and the research opportunities were third-rate. Had I stayed there, I would have had excellent access to professors, but I wouldn't have been able to follow my own path very well, and would only have access to research in the form of summer programs. I also would have graduated being >$150k in debt.
The school I ultimately graduated from was what you would describe as "podunk U". It wasn't tiny, but it is completely unknown to the world outside of its geographical area. However, since they had more students, there were more electives. More professors also meant that there were more real research opportunities. These professors also had to get at least some grant money, which means that they were actually trying to publish occasionally. The opportunities weren't exactly excellent, but there was also no competition for them. I could work with any professors I wanted, and I had access to every one of my professors. I could just stop by their office hours to talk about the weather if I wanted, and they wouldn't be bothered about it. Because of this, I got an extremely good education from this school. However, grading WAS NOT easier. If you went to that school for chemistry, physics, math, engineering, etc, and assumed that you could get a >3.8 GPA, you'd be in for a very sad awakening. The grading at that school was every bit as hard as it is at the school I currently teach at (which is notorious for their harsh grading standards).
The school I teach at now is at the exact opposite end of the spectrum. It's academically amazing, and the majority of the students here are very good, so competition is tough. However, every class they get is taught by some expert in the field. That doesn't mean they're good teachers, but it certainly means that they know their ****. It also means that the students have no access to them. To get into a research lab as an undergrad here, you need to be exceptional - great grades and several letters of recommendation. Undergrads here really just don't know their professors, and it is difficult for students to get good academic letters here. What they do get is access to other opportunities and the school's name to back them up. On average, students here are forced to be better than they were at my undergrad, and that often correlates to having better ECs on their application, etc. The other advantage is that should a pre-med here decide to not go into medicine, they'll have a ton of other opportunities.
So, the answer is that it depends on what you want for your undergraduate education. As was said before, DO NOT just choose a school that you think will get you into medical school. That's sad and misguided for many reasons. Go to a school that you can succeed at regardless of what you want to do in four years. Also, don't assume that just because the school doesn't have a big name that grading will be easier. If you're wrong, you just landed yourself a four year term in a **** school with a poor GPA.
I could have gotten into medical school from any of the universities I've attended. The small private school would have given me a shot to the majority of schools, though not as many as the top ten would have. It would have cost me four years of misery and >$150k though. The state school I graduated from did get me into a good medical school (though I went a different path at that point), but the lack of a name and tough grading system didn't do me any favors at the best schools. The school I'm currently at consistently places students in every one of the top schools, but there is a lot of competition within the class for those seats.
There's no way that you're going to make the admissions process easy. In all probability, you'll change your mind before you even get to the application process, so don't screw yourself by eliminating backup plans.