I guess I stand alone in thinking that $58 a year to allow me to be a guest at any club in the USA is not bad.
It covers my insurance. That alone is enough. Everything else is just extra. I just look at the value of the insurance.
I have asked about a insurance policy to cover liability for me flying my plane. Most underwriters will not even approach it.
So if AMA is not around, you fly without insurance. I for one, would not do it.