Alright lets be honest here. The best d3 schools wouldnt stand a chance against the best d1 schools in terms of talent. Not even close. It is like this for almost every single sport.
Good luck with Penn State. I hope youre playing a lot of ECNL or Academy soccer. Big 10 Champs is nothing to scoff at...
But to the OP.
I have a friend pitching for Duke baseball, and he loves the sport, but he admitted this to me the other day. When he is done with baseball, assuming he does not get drafted, he will stop playing all together. Depending on your success as a player, the level of enjoyment playing in college, and your body, you may never want to play again. Just keep that in mind. You see a lot of people who burn out midway of their career as well. Heck, some people only use sports to get into a college then quit before the season even starts.
On the plus side, he says he has a ton of friends in the athletic community there, meaning that his social life does not suffer greatly because the other athletes understand sometimes he cannot/does not want to go out to party. And, depending where you go, there are some FINE athletic girls. SUPER BABIES
I'm a former racer, I say dumb things.