Thank you Carruthers for outlining precisely some of the reasons why I haven't and won't join, that is not what I could be paying 1.66% Gross for.
As other writers have pointed out not just in postings to this topic, but over many months discussion, other representation is available through personal insurance options or another union.
You pay your money and you take your choice. I respect those that wish to be members and only ask that the shiny silver lapel pin brigade respect those who have chosen a different route.
Rgds