"If, if, if". "Cold feet" is not a reason; it’s a symptom. There are a ton of reasons for your daughter to reconsider her choice to attend the USNA (or any service academy). In my view, about 92% of those concerns are crushed by the facts, or the unbelievable value proposition that the USNA (service academies generally) represent. Then, there's that other 8%. You are in the right place to get information that can help your daughter make this big decision, but IMO you/we are "fishing with a shotgun".
If I were in your position (and I think I was) I'd wander over to wherever my DD happened to be sitting and say:
"Ya-know I'm not sure about this USNA thing either........ this is a big decision. I have these concerns (articulating #1,#2,#3) What are you thinking other issues might be"?
Note: I always take care to approach my DD and DW like a subordinate male ape greeting his betters, nothing too direct.
I would enter into that conversation knowing that it would last 15mins at best and the it would end with my DD's loud proclamation that "her father knows NOTHING!!". That said, I know I'd walk away with a better sense for my DD's USNA concerns. Bring some more data back here and people will kill the 92%
I will add this: Whatever your daughters concerns are, the 1st 2nd and 3rd best reasons to attend the USNA are (in order) The Mids, The Mids and The Mids. Anything that you can do through 1)your B&G, 2)Parents Club, 3)contact with a coach (?), or 4)visit to the USNA that puts your daughter in contact with these amazing young people as she works through her 2nd thoughts will be a huge plus.
BTW: if it does turn out that your DD has a real 8% issue; smile let her follow her path, and get working on that 2nd mortgage.
Good luck to you, and I will stand-by