It also depends on your program. Everyone is saying that you can pick classes with the schedule in mind, but some highly specialized majors don't allow much (if any) choice in courses, especially in second and third year, so you're stuck with the times that you are given. I had one elective in second year (some students in the program had none, depending if they had taken physics 1B03), and one elective in third year, so not a lot of room to change things around. And then with thesis in fourth year, you'd be spending a great deal of time on campus anyways.
I actually thought it's easier to make a nice schedule in first year, because most courses have multiple sections. In upper years, that tends to happen less and less, so if you want a course but don't like the time it's offered, you have to choose between dealing with the time or not taking the course - switching sections isn't an option.
I would hate to be a commuter; I don't know how people do it. Of course, there are thousands of people who manage it just fine. To me though, it is 100% worth the extra money spent on rent to live near campus.
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