For carrying passengers after dark, you must have made x take off and landings at night within the last x days - 3/30 respectively I think
Right idea, but the details aren't right....
To carry passengers, you must have done 3 take-offs and landings as sole manipulator of the controls within the previous 90 days. If you are carrying passengers at night, then at least one of those take-offs and landings must have been at night (unless you also hold an IR, but I don't think that applies to you?)
As for club rules, every club will be different. A common rule is that you must have flown that type of aircraft within the previous 28 days to be able to rent it solo... in theory, that means you could go to your club after 91 days of not flying, do two circuits with an instructor, and then hire the aircraft for solo flying... but not be legal to carry passengers.
As for night currency, I don't know of any clubs which insist on using an instructor to get night-current. As long as you are current on the type, at the start of winter you will simply do one solo circuit, then you are able to carry passengers. But on the other hand, if you'd be happier doing your first circuit each winter with an instructor, I don't know any instructors who would refuse.
FFF
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