I wouldnt agree with you on that front Super. While a division five team can get a result against a divison 4 team, to be able to remain in the league you need to do it week in week out. I found it a touch faster and less time on the ball, and faster thinking players.
Thats in general, it does change from club to club( championship/league panels) and time of the year( not the time of the week)
I would agree that to play INTER CHAMPIONSHIP and be competitive you need division 3 hurling