When I hear the term "retail golfer", I think of something different. To me, the retail golfer is anyone who makes a price/value decision when he plays. The discount golfer is still the retail golfer, he's just a discount retail golfer, just like wal-mart is a discount retailer.
The non-retail golfer would be those who do not make a standard price/value decision. That might include resort guests paying $250 for a round of golf on a mediocre course that they wouldn't pay $50 for back home. It might be people paying $100,000 initiation fee and $20,000 in dues a year for a second club that they rarely play. Or paying a large amount for a private club that exceeds what they would pay for a superior daily fee course (admittedly this gets tricky because there are other types of "value" there).
A retail golfer could also be someone looking to join a club. They have a variety of choices between cost, location, quality, experience, etc. But, once they are a private club member, they may no longer be a "retail golfer", as the price/value equation gets distorted because the "cost" portion is paid up front, and is not related to actual consumption. They stop making decisions and now cannot be influenced by any other factors, including price and quality.
By the way, I don't hear the term too often, and mainly by marketing people.