Phoenix may be a bigger city than Atlanta population wise, but ATL has a much larger legal market.
And it has more law schools feeding into it
Talking w/my friends who range from solos to partners in large, established Orlando firms, UGA has a good reputation throughout the south, so you wouldn't be limited just to Atlanta.
All things being equal, it depends on what region you want to be in after graduation. It seems like you don't have a preference, so consider the future value of that money. That's a big deal.
I'm curious, though. As a Navy vet myself, are you saying the difference in cost after
your GI Bill is $45K?
Also, correct me if I'm wrong, but in general, can't one become a resident at the beginning of 1L and apply for in-state in subsequent years? I've seen something to that effect in some state schools' catalogues. Might save you some big bucks.