...it is well known that AMA makes substantial grants to clubs for development purposes...and each and every AMA member's dues contribute to the general fund that allows the very low cost club insurance...which is actually the best value of all the AMA fees.
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Good point and very much on-topic. Each and every AMA member includes the ~50% that are not members of clubs, yet they pay for AMA benefits enjoyed exclusively by club members. Not that it buys OP any 'right's to use of a chartered club field, but perhaps some consideration.
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VERY GOOD. Without AMA insurance, club membership cost would make r/c a rich man's game. Without insurance, try to get a local government to provide authorization for a field.