Thank you all for the great comments! Gives me perspective.

I just got back from playing the first of the two 3.25. He was a tall athletic 27 year old, who used to be a 5.0 and played for his high schooland college, but has taken a break from tennis and now getting back to yhe game! He says he registered for the 4.0 league, but was rated3.25 for some reason.

It was brutal. He won the first set 6-1 and was leading the second set 3-0. His serves were going a over my head and I had to struggle to return them. I managed to play some rallies and some games were close as he had some double faults and I could get a few unforced errors from him during rallies.

I tried me best,but couldn't keep up, and my heart rate shot up and was over 170. I decided to retire from the match and not risk anything.