I agree, the folks you get to see online or the first ones off the bus/loudest/etc are usually the ones trying to compensate. You will have a diverse class in both programs and often all the craziness goes out of the door/window after the first 2 weeks when the impressions are made for the next 2 years and the first friend groups are formed.
You will be in many classes requiring group work and you will get to meet people of all walks of life and have a chance to spend more time with them and learn of their perspective. My guess is that the top 20 program will attract more interesting folks who are higher grade if you know what I mean, fewer slackers (there are always those), and more people who can challenge you. Bschool is not about being comfy. You want to better yourself, that may entail being challenged and your perspective changed. Not very comfortable for most but that's part of the value.
I would follow the suggestion of the admit weekend and getting a feel for it there.
Money + the higher ranking (which means better professors, better classmates, and better job prospects) make the choice very easy.
If you still have doubts after the event, attend a few classes in the unranked school to observe the current students.
Edit: don't fall for the fallacy of "this school is not cool but I am, and therefore, I will find a much better job than anyone else potentially" - that does not work. There are 1-2 people who do get great jobs due to X but it is hard to be those 1-2 people and you will subject your career and compensation to a lower start. Think about it that way - even if your gut feel is right (which i can't see how it is) you will enjoy the non-ranked school and your 2 years there like a summer camp, pay $100K more for it and start at $70K a year as opposed to perhaps feeling outside of comfort zone, not paying $100K, and starting at $110K a year.
I think it is a lot to throw away based on a very limited experience with your future classmates....
P.S. Time at school flies. You will be super busy and 2 years will go by very quickly.
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