You're lumping "town" into a single option when there is usually a significant difference between Town A and the lower level teams. You wouldn't compare the EHF to some other league without distinguishing between EHF Elite and Tier 1 Black/White. Some of the Town A teams are pretty competitive, but usually because they are filled with club players.
It depends on the town - many town programs are awful. Also, in town hockey, the teams are comprised of players from 2 years - not the one year they do in clubs. So, if your kid is a first year Squirt playing on the top town Squirt team, that's likely better than a lot of club teams that would only have kids his age.
Bottom line, every program is different - generalizations don't really work.