RE: Guess what. I flew it.... :P
Sorry to preach too, GTac, but I'll just summarize the AMA benefits.
LIABILITY INSURANCE!!!
Here's the IF: what would happen if someone got hurt? YOU would get sued, and without AMA, YOU would pay all that $$$ to the person that you hurt!
Think of yourself as the person that got hurt! Would you like it?
Plus many other benefits. It must be realized that EVERYONE here at the forum is only trying to help you. The advice people are giving you have worked on TONS and TONS of people before! People before have learned the hard way!
Sorry to preach, GTac, and sorry to offend you, if I am offending you, but everyone here on this forum is your friend. I know that frustration. I currently have that same frustration, waiting for my AMA card to arrive.
Also, I'm not a 60-year-old dude. I'm 12, similar (i'm guessing) to your age.
Sorry if I'm being rude.
This hobby is really fun if you just brush off the frustration.
Next time you're at the field, tell us about your first flight.