I have some of the same concerns. I am a member first for the maps and maybe second to support their evangelism for touring. I do have doubts that the latter is worth my support. Their magazine and catalog are of vety little to no interest to me.
I have never considered going on a guided or supported tour.
I'd like to see them pull off something like 1976 (bike centennial) again in 2026, but have heard no rumblings.
I had considered leaving them money when I die, but they areno konger in the running.