The only real difference of BCG vs McKinsey for you will be the location close to the office. And the McK brand.
For the location - you will be traveling most of the time and will not spend a lot of time at the office, so you can always take a flight to your parents place anyway.
The difference in salary is not important since on the other side McKinsey has faster growth. McKinsey has unpaid leave. Headspace subscription - are you serious about this benefit? (even if mck doesn't have it its just 30$ a month). People are the same and different everywhere.
I would not give you the answer since I am obviously a biased McK person, but most of the reasons that you've provided here are either subjective or unpredictable.