I have to choose btw a scholarship at Ohio State and Loyola, so I think we have parallel dilemas. The consensus seems to be take the private lower ranked Cali school if you want to practice here. Aside from the networking while you are in school, and being able to extern/clerk in the state, it will prepare you specifically for the Cali Bar which is tough. Also, I don't think you can ever expect to or depend on transferring, you might be stuck in Kentucky if you aren't careful.