David, you beat me to it...Tim is so damned young, probably never heard of Groucho Marx and his Communist Manifesto, nor his brothers, Karl, Pepto, Zippo, Kudzu...
Seriously, Mike, I'm in your group! Here's my sitch: parents didn't golf so we didn't belong to a club. I teach and most teachers don't join clubs until they retire and have fat benefits and nothing to do with their time. I love playing the private clubs, but I can't imagine getting caught up in the social circles, the politics nor the pettiness of a private club. I don't have a regular foursome, although guys who write for my web site seem to be able to put up with me long enough to play. Ironically, I play most of my golf with teenagers, as I coach boys in the Fall and girls in the Spring. I can absolutely relate to your feelings.