This is a really good question, and one I think a lot of people are missing on as they choose remote, uber exclusive, and seasonal clubs that are not really practical for the basis of the inquiry.
For practicality this course would need to be located in or near a metro area of ~300,000 people or more. It could still be somewhat expensive but could not be so exclusive that membership would be out of the question. It would need to have a large family membership, which most likely means it could not be strictly a golf club, and would need to be located in a place that would allow usage year round. The course would not need to be playable year round, but the club would provide amenities that are beneficial year round (indoor tennis, curling, etc...)
While it may still be on the fringe of accessible, a place like Philly Cricket could be close to perfect for all 4 criteria. Especially with the large St. Martins campus with their 9 hole course and multiple other amenities.
Much of the same for Southern Hills, Omaha, Cedar Rapids, Davenport, Orchard Lake, Biltmore Forest, Worcester, Lancaster, Lookout Mountain, etc...