I have to get an AMA membership yet. The slow season for work is starting early (like way early) and my car is starting show it's age so money is a little tight and I can only do one thing at a time. I don't like joining clubs anyways, too much politics, and usually I find they pick like meeting times and such when it is mot convenient for the regular members. I have been into a few other hobbies that are like that. I mainly looked at a club as a source for a good place to fly.
I do have a small 'park' area behind the house, but it has enough small tree's to force me to flyer higher than what feels comfortable only being a beginner. There is a similar sized clear field and a foot ball field by two very close by schools, but I don't like going there either because they are private property. The grassy area also serves as make shift sporting events and over flow parking for school/community functions so there will also be times I couldn't fly because of that.
Joining a club is pretty much just a guarantee of flying whenever I go.