I graduated from UNL six years ago - I majored in broadcast journalism but minored in marketing and poli sci so I spent a fair amount of time in other colleges. If she goes down the actuarial science path, they had a lot of talented professors and a really good business school when I was there. My best advice would be to tour both, measure their pros/cons and determine which might be the better fit academically. Overall, UNL has a lot of great student benefits (like tutors) available to all students and the resources to help her succeed if she seeks them out.
As for the "college life," I know next to nothing about Fort Collins, but Lincoln would almost certainly be the better athletic experience. I know you said it's not the only thing that matters, and it definitely isn't, but it is a huge draw for students (they will take students on tours of Memorial Stadium even as part of the academic tours). I don't think CSU will compare in any way. Throw on the fact that there's a lot of potential and excitement around the program, it should be a great time.
And, once she's old enough, O St. is still great when she's freshly 21 and the Railyard/Haymarket is a good time for when she grows up a bit more and is looking for a less chaotic time. And, again, I don't know what there is Fort Collins, but PBA draws in some huge national musicians and performances. Kendrick Lamar was there last summer.