The hard working people at the AFAP have given much asssitance to many pilots over the years. They are only as strong as there membership base, so get involved. We need to stand united to improve our pay and conditions and joining the AFAP, going to the meetings and standing side by side with your fellow pilot (rather than stabing each other in the back to get jobs and advancements as pilots generally do) is the way to go.
Think of the 1% contribution as insurance while you start out working for the dodgy operators and as a contibution to aid future pilots once you are working for good operators.
Not all claims from operators can be recovered(esp. if they go tits up), Not all grievances can be worked out to a mutual happy ending, but having guidance from people with technical and historical understanding by your side when push comes to shove, is worth every cent.
If you never need them, count yourself lucky!!!