I have been in a similar boat although I can't speak on NYU's program itself, my reasoning has been that there needs to be some sort of middle ground between reasonable tuition, quality of program, curriculum, how the professor's research aligns with my own interests/general prestige and connections of the professors, reputation, and fieldwork opportunities. I personally think it's extremely short-sighted to pick school based on tuition alone, as the experiences you have in the program matter very, very much. A lot of people say that it doesn't matter where you go to school, just go to the cheapest one and that the thing that matters most is the type of clinician you are, but where do you gain those clinical skills and experiences? At the school you go to lol and you can definitely have great experiences at more affordable & unknown schools, but I think school rankings have some credence to them.
Anyway, I don't know exactly what the tuition rates are at the schools you're interested in, and I don't think paying an too much more than 100k is reasonable solely because of average earning potential for OTs, but I think there are many factors to consider beyond just cost. Just my 2 cents. Hope this helps!