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I would tell them that it would be a decision based on my personal utility function, and that there were certain unknowns in there. Probably ask them that if they were offered Kellogg (no fellowship) vs HBS (full fellowship), whether they would expect me to attend Kellogg.
Then wax lyrical about how you would like Kellogg best, but it isn't just based on that element.
You need to be a bit cocksure for that approach though, and prepared for it to blow up bigtime.