doofy - stay playing for as long as you can, unless injury forces you to stop. The more you understand rugby, the players, the coaches etc the more empathetic you will be as a referee - which is crucial to get beyond being a competent average Society Referee at level 9 or so.
Even after 30 + years of my playing career (which included county schools, a top university and Harlequins) when I started reffing I was still learning (and still am).
Certainly through school / college / university and at your club keep playing , as it will add to your "social education" as well as give you better understanding of the game of rugby itself at each of these levels. But also qualify as a referee, do matches as a club referee and for uni days, where refereees are like gold dust it will help you. If you join a Society even better still as you will be coached, mentored, and developed at the right pace.
Also you never know when your academic, work or family commitments may stop you playing, or even refereeing.
My Society initiated a Young Officials scheme a decade ago, which the RFU has since adopted nationally. Where in the country are you ?