One of the key things about tiers is they designate which sororities mix with which fraternities. So, if you are the type who would only be happy dating the hottest, richest guys on campus, only join a top tier. If you are more open-minded and date really nice guys who are maybe less abercrombie-like, you can afford to be more open-minded about your sorority choice.
If you are a mature adult (which you certainly sound like, OP), you can be happy in any group that you make the most of.
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