When i first started out i thought alot like you do. Ive been flying for about three years now and as i drive around I see a property and i asses it for the possibility of flying from it. I get a little closer and every time I check it out i realize just how nice the county facility i fly at is. The only way the county will let you fly at their facility is through the AMA due the cheap primary insurance they supply. I also love to attend flyins. I NEED the AMA for these two things only, and thats enough for me.