Justin,
It sounds like a national club DOES have appeal to you and that you have other roadblocks.
JC, you may be confusing the national club with "more golf in my life generally." I'd love to be able to golf more and ignoring finances would certainly like to join a private local club (more so than be able to afford a nice house in a good school district in Arlington for when I have kids, while having both a travel-the-world budget and a minimal "foodie" budget? probably not). But unless it really would be a relative wash to be a member of Ballyhack versus make it out to Wintergreen once or twice a summer, it's hard for me to see the appeal in the National Golf Club - particularly when going to the same destination club a few times each year competes with the chance to see other courses of architectural merit, of which there are enough in the continental US alone to satisfy me for many years (Bandon, Pebble, Straits, Pinehurst, Myrtle, Hilton Head, Kiawah, Homestead, Greebriar, NoMi, Vegas, just to name a few). I'll keep an open mind to it, but as I've mentioned, I am starting from a place of skepticism.
I will agree that I have other roadblocks in any event. But are these roadblocks really atypical of your average young professional first-generation-upscale/not-of-the-leisure-class golfer?