I faced a similar situation, having been admitted to Wharton, Kellogg and Berkeley. I decided to attend Wharton, and I'm very happy with my decision. A few comments on my side:
- Wharton is undoubtedly the best ranked amongst the three, which in practical terms means that you will find it easier to open doors no matter what your goals are after graduation.
- About Wharton and CBS being more competitive and cutthroat than Kellogg, I can tell you that this is not true. The Wharton community is extremely collaborative, and I'm sure CBS is similar. You will find type-A people in every top school, but because of grade non disclosure most of them manage to promote collaboration over competition. Having said that, some industries (banking and consulting, for example) can be a little more competitive during recruiting, but you will always find others to accompany you in the process.
- Location matters. If you care about NYC, I can tell you that being in Philly you could go to NYC almost every weekend if you wanted to (many people do during recruiting). What is nice about being in Philly is that the experience is not absorbed by the city, but you are still in a major city and just hours away from NYC and DC. If you care about being in NYC though, CBS would be the best option, obviously. Just be aware that the city tends to "steal the show" a little bit at CBS/NYU.
Having said all these, all of these schools are fantastic. Just make sure you assess the right variables and that you talk with people. Avoid falling into stereotypes!
Please DM if you would like to discuss further. Good luck.