Being from rural Missouri, I can say that if you go to rural areas to fly, the AMA is not absolutely a necessity, but training is. Although I Joined the AMA my first few years flying, I fly without the AMA card now because it is just another cost involved, however if you ever want to participate in any club event, or even fly at a club field, you'll need the AMA. The other main advantage of being a card-holder is the liability insurance provided by the AMA. But!!! I understand that they only take care of a claim after your home-owners policy has been exhausted. I don't know this first-hand, but maybe someone who has had an accident with a damage\liability claim can tell us both of their experience.