Cost benefit analysis, my friend. This is only an option even worth dreaming of during preclinical years, so we will run an analysis based on two years of potential savings. Having a 45 minute commute during M3 and M4 (during sub-I's/pre-interview rotations) is absolute insanity, so I won't even entertain that discussion.
The most I can see you saving per month is $1000. That is $24,000 over your first two years. You know what is more expensive than that? Failing out of medical school because you spent 1.5-2 hours commuting every day while your classmates were at home studying. Or missing AOA that you would have otherwise got and matched into ortho/derm/insert your favorite $pecialitie$ here. That would cost you more than $24,000 in a single year of salary, let alone over a lifetime of earnings. Or, you aren't competitive for a field or residency location you love, even if the pay difference in this desired field/residency location is not significant. Burning out 10-20 years before you would have otherwise or dropping out of residency is going to cost you a lot more than $24,000.
Now, some people might say I am being dramatic and you don't have to have the shortest possible commute to match ortho/derm, get AOA, etc. And they would be right to say you don't have to. But medical school is too difficult and too competitive (even at a school with a "collaborative vibe") to not optimize things like your commute and living arrangements.
Think of medical school as the foundation for a house you are going to be living in for the rest of your life. Do you really want to spend $200k versus $225k on that foundation, if the cheaper option increases the chance that your house will collapse prematurely? I am cheap but I am not that cheap.