Should I transfer b schools as a rising Canadian junior at semi-target

Hello guys, I am a rising junior at the Schulich School of Business in Toronto and I have been considering transferring b schools and will seriously appreciate any advice provided as I am unsure what to do! I am hoping to transfer because Schulich does not have a strong alumni base in finance as it is known as mainly an accounting and marketing school while also due to the desire to live away from home and honestly while I love learning I do not enjoy going to Schulich due to the culture and lack of like-minded people. I have 3 possible options and have listed them out below. 1. Stay at Schulich, easiest option and safe but my least favorite due to the aforementioned reasons. 2. Transfer to either Queens Comm, which is what I will do if I get accepted, or Laurier BBA, which I have been accepted to but will have to lose a year and will become a sophomore instead of a junior this fall. I enjoy the culture at both of these schools, and while Queens is obviously the obvious choice if I do get in, I want to know how a switch from Schulich to Laurier will be considered. 3. Take a year off and apply to Ivey at Western for Fall 2021. The time I take off will be spent working at a bank until January 2021 and then interning at a big 4 accounting firm.

These are my choices and I will appreciate any advice as I am quite lost currently! Thank you so much and stay safe.