Joined as a life member before I left as I was medically downgraded and wanted to have someone "in my corner" if I needed help when I left. I didn't need any help in the end. Likewise a few years later, I was applying for a war pension so joined the RBL just in case. Didn't need help for that either.
The RAFA don't have a club in my town so don't go to the clubs. I did visit one a couple of times but found it to be very unwelcoming. The local RBL meet once a month in a Weatherspoons. I haven't been either. The clubs I have been to around the country just seem to be filled with the local non-military drinking cheaper pints.