Go the FBO route. I plan on doing the same thing. I'm at Utah State University right now. Knocked out my instrument, and almost finished with Commercial and plan to get my Multi here.
I just finished my freshman year BTW. Have about 260hrs
ALSO. So let me get this straight, if you train at all with a 141 program, your minimums get knocked down to 1000? Or do you have to graduate from it from PPL-CFI??