I joined a club recently. For me, I was not aware of the safer places to ride and figured a club would help me find them. Now, I find the people fun to be with and are a great bunch. The only downside for those who might be younger is that the club averages in the 50's. Not sure how many teens, 20's and 30's want to be with an older crowd.
I find that riding with a club pushes me to ride faster and farther than I would have done on my own. I find myself more confident as well. I have gone on the same streets we ride on during club rides but they are not as fun nor do I go as fast.