Nordic,
I too was in your same shoes. I have decided on the FBO route. I think that FSI is the best, from what I have researched. It is also most likely worth the time/$ commitment. However, when I dissected the whole thing what I found was that I was ready to move to FL for flight training and this meant I was serious. So the conclusion was, why not move to an appropriate FBO and get some personalized attention (that is not to say you wouldn't get personalized attention at FSI, but you would be one of 400+). I have decided to move to Boise and go through my training with Verde Aviation. I recently visited Boise to look into living there (with my girlfriend) and we concluded it is quite an amazing place, for us.
The point I am trying to make is $43K for school, not including living expenses, is a lot. I went to the U and I am a westerner by origin. I know the thought I moving to FL must be as hard on you as it was on me. You should consider finding a good FBO (maybe the one in Provo that is affiliated with Utah State Valley College) and save yourself $25K and not live in Blue Hair Country while you are going to school.
What I have decided to do is to go to the FBO just like an academy, 6 days a week. Just some thoughts that I thought might help you decide. Although I would say, if you are considering the academy route, go with FSI. That place stands out above any other, by far.