RE: AMA costs
If you are going to an event to the mentioned club, then you are SOL, no CD will allow you to fly as a "guest" during an event. Not to mention that the definition of guest is an AMA member, visiting the local club but not a member of said club.
If it is not an event, then check on the rules of the field/club; at my field we have a 2 visit per year limit for non-club members, but since you don't have an AMA membership, you have to fly under the instructor's supervision and most likely with a buddy box attached, basically under the intro-pilot program.
Rafael