I was in a similar situation this interview season. However, the first two programs that offered me pre-match options also gave me reassurance that they would rank me in the regular match if I decided to go that route. I am surprised a program would put you in such a situation with a take this now or never attitude. Ultimately I pre-matched at my fourth choice on my list of 13 which I am very happy with. I am not sure which factors are playing a role in your decision but in my opinion simply because one program is a community and the others are university is not a huge determinant. Unless you are looking to go into a fellowship program which are typically more numerous at the Univeristy programs.
My only suggestion is to put a lot of thought into what will be best for you in the long run and to stick to your guns and not regret either choice.