From what I've seen, most kids want to play high school soccer with their classmates and represent their school. But on the girls side with very few exceptions, it is about the ugliest brand of soccer imaginable and a recipe for nasty and serious injuries much more so than club, because you have unskilled players playing with skilled players.
I've seen YNT players play on horrible HS teams out of position and passing it to unskilled players for the inevitable turnover, high level girls sustain bad year long injuries, goalies crashed into and even kicked in the head seconds after they've secured the ball, and a whole lotta kickball. Again, there are exceptions I can count on with one hand, but it's somewhere between a demolition derby and a hot mess.
So strictly in terms of development or improving as a player, your player is missing zero by not playing high school ball.