Thank you for your reply Choppy.
I agree with the "rubbing people the wrong way". So far at UConn most people just say, damn he's smart and think I've earned it through hard work in high school. However at a more prestigious school, I can see how students equally as talented (or more talented) who went to a prestigious undergrad school and graduated in four years would think it is very unfair, and I am unsure of what is exactly fair. Moving on, I will address your doubts of AP placement. UConn requires a 4/5 to receive credit, which I think is fair. I got a 5 on Calc I and took calc II last semester, getting an A and feel calc I would have been beyond painfully boring. With chemistry, I see my friends in it now and constantly say, Oh i remember that, and similar comments, and I feel like I learned almost the same exact material. With computer science, I placed out but still had to take an intro MATLAB course. Suffice it to say I was helping everyone in the honors dorm due to my background and feel very confident in future programming courses. Government was far more intensive in high school than a similar course I took in college. Cant really say for biology, though I definitely learned a lot. English, once again, I feel my writing skills are very solid and a semester of college writing would have done very little, but I can not confirm this as I have with others. Lastly physics. Mechanics I can say without a doubt would be extreme overkill for me to retake. EM i got a 4 on because i self studied the M portion. I am still very confident in my abilities and learning capabilities, but I will be able to confirm this after quantum next semester (though I looked at the textbook and knew many concepts from my background). In the end, it depends on the school. I was extremely fortunate that I went to one of the better public schools in the country with particularly strong AP teachers and support. Thus, I feel confident using the credit.
Next, I am not doing the bare minimum by any means. I will take either senior level or graduate level courses (about 5) that are not required. Id say that is very fortunate. And on the maturity, i can say confidently it is not an issue whatsoever. I don't party (or understand why anyone wants to), and have three older sisters which i think made me grow up quickly. Its not simple to define what makes someone mature, but its really just my personality to not act as young as i am.
Lastly (long post i know), money is not an issue thankfully. My parents do very well and are paying for my college as well as my living expenses through my PhD (allowing me to bank the stipend). To be fair, with scholarship and my dads work (Rhode Island school of design, pays $14,400 a year!) i am essentially paying for the meal plan :D so student debt is not a problem. I am practically free to pursue my studies!