I seem to remember we went after XC during indoor track for visits. XC season is pretty busy for coaches, indoor more relaxed. But you may want to do unofficial visits during XC to gauge what a program is like. We made a decision between indoor and outdoor.
A lot may depend on how sought after you are by the schools you are interested in. We wrote resume type letters to programs we were interested in, endorsed by our HS coach. Most of the visits were unofficial but since they were within driving distance it was doable. We were able to set up academic and coach visits without a problem and were well received. Were able to meet with the head coach each time except with one school that was between coaches. Four D I and a DII powerhouse. All were interested, but we made a choice so I am not sure if all would have offered.
Scholarships are hard to come by in distance unless you are elite. In state is good, and Michigan offers in state tuition or a discount for B average students. PM me if you want more details.