we're more alike then you'd probably know , for years i raced simi-pro dirt bikes , then i got a ride on a simi-pro road racing team under honda , i had this t-shirt for years that said " life begins at 180mph" and believe me it does ! lol....

this is the one thing during this whole debt that i've learned, everyone loves the hobby or why would we bother, we all know this topic has been beat to death , and know it won't be the last time we see this type of question on the forum .
the other thing i've learned is you gotta go to your local flying field meet the people there , you can't pass jugdement based on these forums .
my opinion of the insurance has not changed and i've said all along that wouldn't be my reason to join , my opinion of the people has changed and that will be the reason i'll join the ama when i find a club i want to join .