No one is comparing Monte and Jeff to a top 20 program. So on that alone, while your experience is helpful to know, it’s irrelevant in this conversation.
Back to the question from the original poster, they were looking to remain in NYC and prioritized fellowship prospects. I won’t do it for you, but the op, you and anyone else can make a judgement about which of these programs sets you up better for fellowship training in NYC, specifically, cardiology.
to your last point, there’s no assumption. As I’ve now said 3 times you can make a judgement for yourself about which program has had better match lists. This information is available and I posted it above. Jeff and Monte are both excellent training programs that train their residents well and both set them up well for an academic career. If you’re interested in remaining near philly Jefferson clearly sets you up better. If you’re interested in remaining in NYC metro Monte clearly sets you up better. In two years for cardiology Jeff has sent a grand total of 0 residents to nyc programs and 1 to NYC metro. (To my point in my first post, this is geographic bias, but back when I was applying to residency nearly a decade ago, I was advised that while you can match anywhere from any program, a history of sending residents to a particular program is extremely important-they know the caliber of fellow, they have comfort with the program etc)
lastly, your point about issues that your friends and their co-residents have gone through is anecdotal and we have no idea the circumstances. The match list is public knowledge, and again prospective applicants and those of us behind our computer can make our own judgments