Heh... It sounds like you have your mind pretty much made up! If tuition isn't an issue, I'd say go with your gut and choose whichever school you felt fit you best. However, here are a few comments about Minnesota... I've never been to Iowa, so I can't really give comparisons...
First, there isn't a course during your first year that gets you into clinics, but there are Clinical Skills courses that allow you to have your hands on live animals right away. First year Clinical Skills is focused on basic handling and physical exam skills; second year are the "mini-rotations" in the teaching hospital, where you spend two-hour blocks hanging out in the various services; and third year you learn clinical procedures like placing a PEG tube, taking a bone marrow aspirate, and taking joint taps.
Minnesota has only one (elective) terminal surgery lab... I believe Iowa does several terminal surgeries, which I would have been uncomfortable with. Your comfort level with terminal surgery is, of course, a personal decision, and it might not be an issue for you.
Being in a urban area is nice for the caseload and variety of cases we see at the teaching hospital. During rotations, there are lots of local specialists who take students for externships, which is great for getting experience outside the hospital. I also love easy access to art, music, parks, and an airport. Wilderness is less than a day's drive away, and rural Minnesota is close enough that a lot of classmates have their horses boarded 10 or 15 minutes from campus.
I can't imagine Iowa nice is too different from Minnesota nice
I think everyone here is quite friendly!
I'm sure no matter which school you choose, you will get a great education. Don't let being comfortable hold you back from going somewhere new, but don't ignore your gut if it says Iowa is the right place for you!