There's a fairly simple answer, if you're flying 3 or four hours a month in club aircraft at probably £90+ per hour, you'd be better off getting a share in a group owned plane. My aircraft costs are: £5.5 K for 1/4 share in an AA5, £70 per month standing charge, (based at expensive airfield in southeast,) and £50 per hour AIRBORNE not tacho or brakes/brakes like clubs charge. Do the sums and you'll see it makes sense - also the 'planes available 24/7 with no late running students to spoil your £100 cup of coffee sortie!