If you can swing it spend the money and become a part of this hobby. I know it's a hefty chunk of change but it is well worth it. It is the most rewarding activity I have ever taken part in. I have met and become friends with some terrific people. I know its hard to dish out $400+ without receiving some form of immediate gratification but after your first successful flight you'll be so glad you did. In regards to the AMA, I am a member primarily for the insurance. No club in my area will allow you to fly without membership. Unfortunately, in todays age of suing everyone for everything I wouldn't be caught dead without it. Good luck!