$20 a person is nothing. I was part of the Volvo club of Victoria (don't laugh) which is a non-cams club and that cost me $50 a year. That included: a monthly meeting (with guest speakers), economy runs (even with other clubs), a discount card, cruises, bbqs and a quarterly magazine. So there were formalities but it was also very sociable. So the option between full and social is a good way to go...