As others stated, you probably should definitely choose FSU over Stetson, especially if it's cheaper. It's the better school, and it will give you better options around the state.
However, and I don't know this, but it probably also depends if you know precisely where you want to live. If you want to live in the Tampa area, I'd imagine that Stetson does very well on its home turf (and you'd be able to network while there; this should not be underestimated).
As for Gainesville...how many people have you met here? And in what capacity? I ask this because it seems odd to make a statement that you don't like a city because the "people" are rude. People are rude everywhere. People commit crime anywhere. Having lived in many places, though, I will concede that college towns are definitely more impersonal, like larger cities, but I wouldn't consider that "rude;" I'd just consider it different than most smaller towns.