I will chime in on this one. One, because I am a spreadsheet dork who has a built a database of everything I can think of as it relates to my golf game. And second, because I am (I presume with a high level of certainty) a GCA outlier in terms of access, income, and associations.
I’m hardly impoverished, but I don’t earn enough that I can write off golf without regard to some form of a value equation. At 41 years of age two upcoming college educations, two weddings (possibly), and a retirement still take precedence.
Over the last ten years I average less than $40 per round, never averaging more than $38 or less than $28. I have never been a member of a club.
I could afford to join a club, but find myself in a position where – along the lines of Groucho Marx – I don’t care to play most of my rounds at any club that would have me as a member. Despite my lack of pedigree I am, at heart, a golf course snob. The variety of a la carte golf – even with its inherent drawbacks – supersedes the appeal of less than spectacular private golf.
I spend as much on green fees in a typical year as many members of your average private club in the USA. For every $20 round I play on some random muni, I will happily fork over $100, $200, or more, for a unique golf experience. For me, being an unaffiliated golfer allows me to explore other courses without regard to the expense because I have no overhead. I play wherever I want, whenever I want, as long as they will have me.