Why is it ridiculous that a school that's higher in prestige than you might take significantly more effort than what you outline above? (Which is a decent amount but far from a lot for DI.) Seems fairly reasonable to me.
The truth is that, short of looking at FSS and seeing if the recruit is tight w. the school or not, it can be a bit of a crapshoot. If they're not tight per the FSS, beating the sim is easy. But if they are, it could take $10-15K, or it could take much more than that if the recruit is their top priority.