It’s really impossible to quantify or monetize the value of going to penn over an unranked school. There is also an intangible “happiness” factor of where you spend your next 4 years, and whether you would rather be on the east or west coast.
Ultimately it is your time, and your family's money, and you don't have to apologize to anyone for spending those things in the way that you think will bring you happiness. But to a lot of people, almost nothing could be worth $200k especially when you can do residency at a name brand place in the future—keep in mind, the whole reason Kaiser is giving you this money is because they believe you would be one of the shining stars on their match list, so they should remain invested in your success once you get there. You will likely be successful no matter where you go.