Prior to the update there was a D2 team that had an overall rating over 700. That was back when elite D2 teams had ratings in the 650's and I *think* the consensus, at the time, was no one had ever seen a D2 team over 700. No clue about D3. Again, prior to the update, there were D1 teams (specifically in the ACC in Allen, which for years was arguably the best D1 conference ever in this game) had teams > 850 overall rating.