In my city of 35k, between the two bike shops and a number of individuals there's at least one organized ride daily. There is no organization between ride leaders other than keeping their events on different days. Most everything is organized on Facebook. We have a Wednesday evening ride with 300 people in the FB group and up to 100 on any given week - maps and Dan Henry's provided. Although no official SAG, if someone has a problem they will be taken care of. Heck, we have people delivering food to a guy who was injured in a bike crash a week ago.
Now there's talk of forming a club.
Fifteen years ago I was involved with a big, well organized bike club. It seems like 90% of what that club accomplished is already being done, partly enabled by easy communication via social media.
What would a club do for us, other than consume time? Are bike clubs still relevant?