Join a club? Whats the benefit?
Flying by yourself will become boring eventually. Might take some time, but I would much rather have people around to do it with. If there is a problem, the more members the better. We just had to move fields. It was easy with all the members help. If you are just flying on a dirt road somewhere and hit something, I would bet ama would say you were not within guidelines and would not pay. There are lots of reasons for a club. If you just want to fly by yourself and not be around people, make sure you are a long way from any one else that feels the same so you don't get shot down, but how will you know who they are?