Confused about the future....

Congrats on your performance so far (*cough* showoff..*cough*.. )

I think this is a WIN-WIN-WIN situation.

1) Consider current economy and debt
NYU Full scholarship pretty much gives you flexibility and peace of mind. It allows you to study in a Top 10 bschool without much debt after graduation. In this job market and in this economy, this is a definite PLUS.

2) Consider future opportunities and earnings
NYU Stern might not get you to where you want to go in the near future. Wharton and Columbia are 2 of the most prestigious programs in the nation, if not the world. Those 2 schools (especially Wharton) will allow you to pursue opportunities that you can't even dream of with just NYU Stern MBA.

3) Consider what you want to study and what you want to pursue post MBA
Can NYU Stern take you there? Or would it make your odds better with Wharton or Columbia MBA? What is it that you want to study? In what environment do you want to study the next 2 years?

My Take on This:
I will probably take Wharton MBA even with current economy, current job market and NYU full ride. Wharton MBA puts you into exclusive group of individuals. Wharton MBA is a world class brand, as well as world class institution. You will study with the best of the best and by the best of the best.
Odds are, you will find a great job after Wharton. In fact, I think one has to screw up really bad not to find a job with a Wharton MBA. As an individual with Top 3 undergrad and Wharton admit, I highly doubt you will screw up that badly. Whatever you can gain via Stern Full ride now, you will be more than compensated later on. (probably sooner than later)
If you are worried about debt, consider your earnings potential through summer internship and signing bonus from your first job.
If you are worried about opportunity cost of going to Wharton over Columbia or NYU Stern, you have to think about the opportunity cost of NOT choosing Wharton. I will bet you that the latter opportunity cost is greater.
Also, go back to when you first started you apps. Wharton must have ranked near the top, if not the top. Your hesitation right now is caused by various options plus financial incentives from non-Wharton institutions. A wise person once said, "If you want to go out, go out on top. Compete against the best and fail, rather than finding success in the less competitive world."
If you don't take Wharton pass now, you might always wonder later in your life, "What would have happened if I chose Wharton MBA...."
I think you owe it to yourself to choose Wharton.

In one of my bschool essays, I discussed a movie scenario based on an indie flick called "Sliding Doors." It's a movie that shows different outcomes and its effect on a woman's life when she misses/ or makes a subway train ride home from work. If she makes the train, she arrives home early and catches her cheating boyfriend. She breaks up with the guy and finds a happier alternative with another guy. In the scenario where she misses the train, she arrives home late and fails to catch her cheating boyfriend in action. She ends up with him.

Consider this moment as your own "Sliding Door" moment. Imagine your life with Wharton MBA and without Wharton MBA. If you can live with the opportunity cost of not choosing Wharton MBA, then you should choose either Columbia or NYU Stern. (It's not a bad decision at all)
But if there's any trace of doubt in your mind, you owe it to yourself to choose wharton.

P.S. - besides i need super heavy duty competition at Wharton so zoinnk regrets his Wharton decision over HBS. I hope you can put him in his place at Wharton....