You're right, looks like the oxford seminars is way off now. And sorry the post wasn't too focused I was just looking for some general discussion about prices, since schools like UVic are still about half of schools like queens.
I hadn't looked at things this way, it certainly makes queens/western seem more viable. I would never want to live in Toronto so if I went to queens/western I would try to get a job in Ottawa near my family.
As for the small town nature thing, I likely won't get to visit Victoria due to the pandemic, so I am willing to take your word on this. I guess my comparison point would be London or Kingston. In my head, Victoria is nice hikes 30 mins away, amazing surfing opportunities, a beach to chill at nearby, some half decent ski hills (I'm used to the smallest hills you can imagine) and year round golf. UBC on the other hand has the best mountains in the world nearby, although I could foresee that the hour+ long drive to get there (and I don't have a car) could be a bit of a damper.