Rubberduck, its still not clear if you know how to fly.
. So if you don't, chances are you will crash and waste more money than the membership dues, and hopefully not hurt yourself or any one else in the process.
. But if you do, you will probably have lots of fun.
I don't recommend it, but years ago I flew for a while a .60 powered Super Chipmunk off a soccer field in Portland (Oregon); and for several years (in the late 80's) a group of us flew off new streets in the fast growing Orange County area. In fact, we once got chased out by the El Toro Base authorities for being too close to the final for the jets landing there! (The only official RC site was Mile Square: way too crowded on week-ends!). Other than that, we had no problem with authorities, and were disciplined enough to fly as responsibly as the clubs do.
I never heard of AMA until almost 10 years into flying: LHS and kit instructions never mentioned it.
I don't know Sioux Falls, but I doubt if it is more risky to fly there now, than in Orange County 15~20 years ago.
That said, I repeat, I don't recommend it; I like the club structure and safety,do recommend AMA membership, and observance of the safety rules. But one is free to go the risky way.