Here is your answer
If you go D1 which you did. Your 5 year clock starts from the day you enroll fulltime and attend class. Even if you never compete on a team from the day you start school and when you graduate 5 years later...your time ends. So it doesn't matter if you play sports or not..... any year at D1 counts as a year of eligibility.
D2 and D3 is all semesters. IF you are enrolled full time for 10 semesters you're done. If you go for 8 semesters and compete for 6 semesters. YOU will have 2 semester of eligibility left.
You're club team does not count as eligibility for D3 HOWEVER your full time student status does! If you are a freshman that is using this year to compete for your club team... you will have 4 full years of running left at d3. 10 semester minus 2 semester of not competing ... puts you at 8 full time semesters left.
When I say 10 semester that's given that 2 of those semesters are redshirted.
Hope this helped.