There is no reason to be afraid of a school fielding a JV team if a kid and his parents have done their due diligence and have been realistic about how he stacks up with players already on the varsity roster. I question whether asking prospective coaches how they project you is going to be very helpful. If they over-recruit, they want you in there whether they think you'll play or not, you won't find out the truth until you're on campus and on the field in fall camp. Don't 100% trust coaches words, don't just hear what you want to hear. Go to games, see if you're honestly ready to compete right away or at least soon. Look at the recruits coming in. How do you stack up to them in non-partial state or regional rankings. You'll get a fairly clear picture of what to expect talent-wise, and after that it becomes a work thing.
Also, if the program fields a JV team, in my experience, the vast majority of reps go to underclassmen that are on the varsity roster that coaches are wanting to make sure get their game reps, the guys that they see having a future in the program. If you're not on the varsity roster or at least on the fringe, you won't be playing JV games either (unless there's a varsity game that day, which is rare, because the coaching staff has to split up), you'll simply be practicing and playing intra-squads.