Even though it's hard to read & follow the jokers puncuations or lack there of, i think I understand what he's trying to ask/suggest. 
He wants to why he should join AMA AND a Club; i.e., $58 for AMA &  $50 or $100 Club dues, especially when the Club is flying on city/county/state/fed property.The Joker,  Am I correct? 
From AMA you get the insurance & a magazine, from the club you get a nice place to fly.
I belong to several clubs in several cities. I fly in Atlanta, Houston, Florida, & here at home. As long as I have my AMA card, most club members welcome me. However, at ALL these clubs, there's always an AH, who thinks he knows it all & "act like he owns" the Club tries his or her best to run new & other folks off. And/Or they try their best to be superior and act like the new guy is beneath them. Joker, I think every club has those types, it's just a fact of life. After you get to know them, you just learn to ignore them, most are bully, blowhards anyway .
I'd say think again about  investing in an AMA membership. You'll learn a lot, make a lot of friends, get a lot of help with you planes & flying. Don't let one monkey stop your show. I think I understand what you are proposing, join the AMA for $58, and then pay by the flight day at the club. That's a good idea.
I know one club in Houston has a $300 initiation fee & $300 per year, but they own their land. Another that flies on a county park, where the county has paid for the facilities, charges $35 per year. You can fly there with just an AMA card & don't have to join the club, but most do.
All these clubs are declining in membership, some by as much as 1/3, because many of the old guys are dying off, and the younger crowd had rather play video games.  I wish we could just stop the decline! Increasing membership is asking for a miracle! I wish we had an answer.