A few things to consider . . .
How will you feel being in a class where the majority of classmates are four years your junior? They've just finished h.s. -- you've finished college.
How will you feel taking orders from 1/C mids (not to mention 2/C and 3/C) who are younger than you are?
Are there sufficient courses at USNA that you can take and not feel you are "repeating" work you've already done?
Do you want to spend four more years in the undergraduate classroom? (recognizing you would almost certainly be able to do graduate work at some point)
Are you okay with not drinking (alcohol) as a plebe even though you're over 21? (I believe the rule is still that plebes can't drink, period)
How will you feel always being 4 yrs older than your peers in the military?
OTOH, you would have a terrific level of maturity, ability to live on your own, experience with college level academics, etc. that would be a huge advantage to you and to your classmates.
There have been plebes who've entered USNA with a college degree. But it's maybe one a year.
As noted above, apply to USNA and see what happens. If you receive an appointment, you can then consider what you want to do. But do be prepared to explain to MOC committees and your BGO why you're doing this and not OCS as they're sure to ask.