Well, it depends on your personality...a lot of factors. If you consider yourself a "go-getter" and you really know what you want, then by all means, go to UofT...That said, I'd be careful with "too-small" schools because it may not be challenging enough and you might not get enough "exposure". I'd go to a school with a "medium" but high-quality department. I don't want to name names...but something like Queen's (though it's hard to get a scholarship here never mind getting in) or Mac, maybe Waterloo. Perhaps Western is good too. Other things to consider are the advantages of choosing a non-commuting school (you know, one where people don't all live at home and ride the subway to class and then go back home after). If you don't have money maybe that's hard...but if you can manage it, even with a loan, I'd say go away to a school where you'll live in residence.