You've got two great options, and you'll need to see the AFA before you can really make a choice about where you want to spend the next four years. That said, it's only four years. It seems like a huge decision now - service academy vs. ROTC - but at the end of that time, you'll have the commission either way, and the importance of your commissioning source tends to fade over time. If you know for sure that you've got your sights set on the Navy, take the ROTC scholarship and don't think twice. If you go with the AFA, make sure that it's because you want to be in the Air Force, and not because you're set on a service academy.
All that's the long-term view. In the short term, real college is way more fun. I thought I wanted to go to USNA, but I ended up going the OCS route, and I think I got a better college experience and better/more life experience along the way.
I think the bold quoted above is great advice.
I think the italicized text above is stupid and something I've heard countless times over the years, though I think it is false. Of course, it's all opinion based, and I'm not here to get into an Academy pissing match, but there is something to be said of the networks and experiences you get at the Academy.