Firming Oxford or UCL for chemistry?

I’m really stuck between the above two universities!
There is massive pros and cons for each which i’ll discuss below and then if anyone can provide an opinion, especially current/ past students at either university on the course it would be massively appreciated.
Oxford: i’ve got an offer for Somerville, which i really love it is the college i applied for. The contact hours are INSANE which is one off putting thing, and i honeslty don’t know much about the department itself, as the open days & offer holder days haven’t really been focused on this, or when they have it hasnt seemed very strong. I’m also concerned about social life, as many are with Oxford, because i am not from a rich upper class background (rather the opposite) and I am very social and want the grotty uni experience!! One pro of oxford is the money, obviously it’s already much cheaper than london, AND they offer more bursaries than ucl on top of this. I also don’t like the lack of options in the course.
Now for UCL: i LOVEEE london and have got a really good sense when i’ve visisted the department on open days and offer holder days; it comes across as being really strong. i also really like the course content it has a lot of modules i’m really interested in. however i have heard a lot of negative reviews on UCL but i don’t know how accurate these are, and obvously london is RIDICULOUSLY expensive and i will rack up a lot of debt!
another side note is i really love dance the scene in london for the type of dance i do is very very good. there’s not really anything in oxford.
also if i end up going to UCL, i will aim to do a PHD etc at oxford
that’s about it i think! opinions will be valued

I am genuinely interested in the many comments I see here about stress at Oxford.
As far as I can tell from talking to Oxford tutors whom I have known since the 1980s and who are now Emeritus Fellows of their colleges, and talking to three of my nephews who recently studied at Oxford, the workloads now are the same as they were in the 1980s (when I studied Modern History at Oxford).
My friends back then (they are still my friends now) studied a variety of other subjects, including hard sciences, medicine, and law.
We did experience varying degrees of stress, particularly in our final years, but we were not constantly stressed out, and we had large amounts of leisure time, which we enjoyed in all the usual ways that students do.
My interest is not merely academic. My daughter starts at Oxford in October.
I do not wish to make any of the predictable comments made by late Boomers such as me about Generation Z and resilience, or lack thereof. I appreciate that everyone's subjective experience of stress is individual.
There were people at my college who burned out, dropped out, and so on, but most of us didn't. One very dear friend took his own life, and I mourn him to this day, but I believe that he had brought his demons with him to Oxford, and it was not Oxford that killed him (his tutor and the college Chaplain tried hard to save him).
Cases such as that of my late friend apart, we generally did not receive much in the way of pastoral care (this was a failing, I think). The Dons, and our parents back home, treated us as adults. Support took the form of "Pull yourself together", or "That was a good essay, Alpha minus query minus. Sherry?", or (from the college doctor) "Take some sleeping pills".
One thing that may have changed is that back then it took a Hell of a lot to get sent down for not working hard enough. People could bum around and do minimal work, although most people did work. Several of my friends could have got firsts but chose instead to carry on partying in the final year and get 2.1s*, and mostly they don't regret that, although one does.
t11t, if you have time and the inclination, (and I understand, of course, that you may not), could you please indicate how the stress tends to manifest itself amongst your peers? By message, if you prefer, or not at all. Thanks!
OP, I'm sorry for the thread hijack, although the subject of stress may be relevant to your decision.
Maybe I should start a thread raising this question, although I can see that such a thread might degenerate into inter-generational sniping.
*Unofficial in those days: the second class was not formally divided, but your tutors would disclose if a second was upper or lower.

I guess an easy way to measure workload is by asking how many essays and how long your essays were per week?

Oxford Physics in the 1980s -
"Each week: 10h practicals, 7h lectures, 2h tutorials, 3-4h per weekday study, total about 40h. Rest of time drinking and playing sport. No screens in those days…"