You don't actually need affiliation unless you want to compete in races that it is necessary for.
That's true - the majority of races you can enter without being affiliated. At £5 a year, you only had to enter three races to recover your outlay, now it'll be five. A lot of our members only do two or three local races a year.
Clubs should offer members the option of being affiliated personally, or not. It doesn't really add to the admin, especially if you only register your competing members on the dbase.
It's easy to separate them - at our club membership is due in September, then in March I ask all members if they want to be competing members, get the dosh from those who do, and put them on the dbase.
I think that from next year there will be fewer. As a club we'll probably stick with EA, in order to get the VLM place.