i'll throw my two bobs worth in aswell,
Me being new to my club (been in it acouple months) i find is worth it for the fact that they help shown me alot taking off landing and so on so i figure the $200.00 Fee a year is worth it when you think about it, it would cost you alot more to teach yourself you would lose alot more than $200 worth of planes, the only thing i dont like about my club is we don't have a smoothe runway

(getting sick of going nose over all the time) but maybe one day we'll have a smoothe one!
Best of luck and happy flying!
Paul