If you want to practice in the bay area, go to school in the bay area, unless youre going to harvar/yale, etc. Your 2 schools are local and that needds to be a huge factor in your decision
I would totally agree. If you want to practice in the Bay Area (and since you're already there, right?) McGeorge is definitely the way to go. Money seems to be a factor in your decision, you might want to remember that compared to much of California, Sacramento is kind of affordable, so there's an extra plus for you.
As far as transferring from 3 to 1 tier, this has come up frequently on the boards. Very tough, very hard, top 10 percent of you class to at least have a chance. If this is what you want to do, I'd say contact schools that you'd have a realistic shot at transferring to, and which are in locations you like. I think UC Hastings is a first tier school that would be an excellent fit for you, if you wish to transfer. You might want to contact them and see how many transfers they take, what their medians are, blah blah blah. The only concern I would have about transferring in your case is you already seem burdened by money. If you transfer, you probably will not get any scholarships.