@hippityhop123 @Calliandra Also in the same boat as you two! Good to know I'm not alone, and your previous posts have been very helpful - thanks.
For me, it's not only a question of money but also (relatedly) where I can better manage my time. For example, how much do teaching/research responsibilities take away from writing commitments at each program, especially during or after the fifth year? How does one navigate grad student commitments in a large city like New York compared to a much smaller Minneapolis?
Completing a PhD on schedule in New York sounds daunting and perhaps even maddening, coming from someone who has also lived here the past few years. Additionally there's the mysterious writing across curriculum program at CUNY that I'm still trying to wrap my head around. I believe you're placed in a writing center, but with more conceptual/capacity-building type work. I've heard it varies how much work there is, depending on where you end up. This could be difficult, since it'd be ideal to have minimal limitations for travel research, etc. If I'm in New York, minimizing my workload and commute in the last year(s) to finish writing would be key. Networking at CUNY, most likely through the consortium, does come off as a positive but I too am unclear about their placement trend.
More generally, it sounds like GC fellows get the better deal in terms of assignments while UMN asks their students to teach right away, though if this is false please correct me. Having spoken with some current CUNY Soc PhDs, in years 2/3/4 many teach their own course instead of TAing, which is a lot of work but not necessarily bad if you get to design your own syllabus. (It's a lottery as to where you get assigned, although you do get to rank your choices.)