THE BOTTOM LINE IS THIS:
You can pretty much make ANY team in this country if you train your *ss off the summer after High School Graduation (except the top D1s like Oregon, Colorado, Stanford, ..and a couple more exceptions but you get the idea).
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MY TAKE ON IT:
I think a good D1 team (but not super-elite) with a great coach and with a lot of DEPTH on the XC team would be a good match...would give you lots of people around your current fitness level to train with as you get better while you're NOT EVEN IN THE top 10-12 girls on the XC team...that could be a fun team with great coaching and lots of better runners to help push you
..............or a D2/D3 school that is one of the best D2/D3 schools in the nation (i.e. top 25 or so for D2\maybetop 10 D3) would be good as well...
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Wide spectrum of abilities...
The elite D1 teams (Colorado, Oregon, etc.) CUT some pretty talented (relatively speaking) walk-ons, people who would be IMPACT/scholarship runners at so-so D1 schools and stars on D2/D3 schools.
Some of the best D2 schools are better than D1 conferences. It's still relatively easy to walk-on these teams as I have really never heard of anyone getting cut from D2 or D3 unless they show up the 1st day in worse shape than a 10:30 2miler (for guys) then they run the RISK on a good team of getting the axe.
And then there are D3 teams that are very solid (wisc-eau claire, Williams, etc.) and of course there are some rare D1 teams that are pretty bad where the team consists of merely 5 guys who run 5 miles in maybe 31-34 minutes and it's a miracle due to the unpopularness of the sport at the school if they get 5-6 runners out of their beds past hangovers just to the line at any given XC competition.
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you don't want to be ignored by the coach as a walk-on JUST because you're not an "IMPACT"\team scorer runner...
my high school PR was 11 minutes for 3200m and I am a guy and I was doing mostly 40 miles/wk. I bumped it to 60 miles/wk summer after high school and I walked onto a D2 team and showed up in probably 10:30 2mile shape in the fall. I've gotten my miles up around 60s consistently and ran 16:46 for 5k, it still puts me close to last place in meets, but I'm improving so i feel im making progress
do some extensive research, good luck with the decision