Well...so far I think you have been given some very good advice. However, I have heard nothing from you about how you feel about SERVICE to the nation and your state. As an officer you must hold yourself to a higher degree of accountability and have a willingness to sacrifice your own personal needs and comforts for the good of your country, your state and most importantly the soldiers your lead.
What I have heard from you is that it looks like a good deal as far as the benefits of the ROTC program goes, except you might have to sacrifice a month of motorcycle racing...well my friend, there are men and women in Iraq and Afghanistan who are sacrificing a lot more than that every day, and if you are having trouble making up your mind, then don't do it. A person who gets a commission because of a "good deal college program" with no personal commitment doesn't usually stack up as a very good officer.
As far as the GF goes, what are you going to do when she dumps you or vice-versa? If this is your one true love, then I guess you should listen and respect her views, but you know what follow the old adage: "To thine own self be true."
BTW...if you do decide to become an officer, listen to your sergeants and if you take care of people, people will take care of the mission...but you have to be willing to sacrifice, and frankly you don't really sound like you are up to the ethos of Duty, Honor, Country...
Mark L. (a retired Army Warrant Officer)