Every reason you cited can be had by starting in community college. If I were advising a graduating senior today, I'd advise them to consider a gap year and to go the community college route. You can still get a degree from the most prestigious state schools while paying a small fraction of what you'd otherwise pay for your first two years of school.

Since price is becoming an issue, prioritize junior/senior years since those result in the degree and look to economize for freshman/sophomore.