I've actually heard quite good things from buddies that do the more-organized NCFA club football, which includes teams like Oakland, UM-Flint, Ohio St, etc. They've said that it's often kids that could have gone on to DIII but for non-football reasons wanted to go to a larger or different school, depending on the situation. While they aren't officially sponsored by the school as an NCAA sport, they still fall under school jurisdiction as an approved student club and all the associated bureaucracy.
Non-affiliated/independent clubs or adult? Keep it.