100% agree with this statement. Playing "competitive" soccer on the 3rd or 4th team doesn't make much sense. What you're paying for in these types of teams is a dedicated coach (not a parent coach) quality is hit or miss, better fields (usually) than rec, and parents that are more into tournaments.I do think if a kid is going to play flight 3 club in the younger ages, then save the money and time commitment and just have the kid play another year or rec and if he or she wants to improve, take the money and time saved and do futsal or find a good small group training, etc.
Futsal, Arena, Mexican Leagues will provide much more touches on the ball in a shorter amount of time than traditional field soccer. The more your kid touches the ball the more they can practice dribbling, passing, shooting, etc. Also, for girls especially at younger ages its fairly common to train with boys in Futsal. This makes a HUGE difference in how girls play on the field they get more aggressive + make faster decisions.