I joined a local club because when I was starting to ride, they had beginner appropriate rides that helped me explore the area and feel safer than riding alone. Then, as my riding progressed, there were other types of rides available. They have hill rides and hammer rides and leisurely rides. There are also people that I can ask advice from, such as experienced solo tourers (I do remain the only woman in the club with the nerve to solo tour). I also ride with another club that isn't as well organized but does meet very close to my house so they are convenient.
I already get discounts in a couple of the LBS just because I am a regular customer who treats the employees with respect.