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I am a part of St. Michael's College (and I am not religious). The college has very friendly staff (for instance at the library, the registrar's office, etc).
My experience has been that the importance of your college lies almost wholly in the fact that the registrar's office is (almost always) your number one stop for all academic-related concerns. For those who take a very active role in extra-curricular activities, your college choice may be a little more crucial insofar as the colleges conduct their own events, such as sports leagues, parties, etc.
I'm guessing that as more UofT people post replies, you'll get a good sense of which college to choose.
One other thing, don't be worried about calling up the different colleges and asking for some general info to help you decide.
Nick 
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