I transferred from a top 100 to a top 10 US university two years back, and I can say this with authority: there is hardly a meaningful difference in the effectiveness of the two schools in terms of education. The teachers at the top 10 are maybe 'smarter', in the sense that they are generally more involved in the research of their field, but they are also way busier and have little interest in helping students. The students are way more careerist and grade-grubby, which creates a somewhat hostile dynamic between faculty and undergrads. You have access to more potential research work, but it is also bottlenecked by the fact that there are so many more students chomping at the bit to do their own research. In terms of prestige and career opportunities, there is a pretty big difference, but that's not exactly what you're signing up for.
I transferred from a top 100 to a top 10 US university two years back, and I can say this with authority: there is hardly a meaningful difference in the effectiveness of the two schools in terms of education. The teachers at the top 10 are maybe 'smarter', in the sense that they are generally more involved in the research of their field, but they are also way busier and have little interest in helping students. The students are way more careerist and grade-grubby, which creates a somewhat hostile dynamic between faculty and undergrads. You have access to more potential research work, but it is also bottlenecked by the fact that there are so many more students chomping at the bit to do their own research. In terms of prestige and career opportunities, there is a pretty big difference, but that's not exactly what you're signing up for.