Cost/money is a personal decision only. Aside from that, as far as recruiting goes, DIII is much different from DI. Everybody is technically a walk-on at DIII, but obviously if a coach at a solid academic school is pushing for you, that is about as much a committment that you can get from a DIII. ED is very important at DIII. I would say that it is sort of or roughly the equivilant of NLI at the DI level. Good luck.