The discussion centers on choosing between the University of Waterloo (UW) and the University of Toronto (U of T) for a major in physics with a specialization in mathematical physics. Participants highlight that UW offers a friendlier environment and more summer course options due to its co-op program, making it an appealing choice. Concerns are raised about U of T's program being overly focused on pure mathematics, which may not align with the interests of all physics students. The importance of GPA and reference letters for graduate school admissions is emphasized, suggesting that the reputation of the school may be less critical for undergraduates. Personal experiences indicate satisfaction with UW, while some express regret about choosing U of T. The discussion also notes differences in the mathematical physics curriculum between faculties at UW, with the math faculty focusing more on math and computer science, while the science faculty includes more labs and science courses. Overall, the decision should consider personal preferences regarding city life, university size, and specific program details.