This thread might inadvertently increase interest in yacht club memberships!

We have been in a YC that owns the upland property and was/ is built and maintained by volunteer members. Our overall
costs are geared to inflation, but have risen only slowly for the last 20 years.
I pay approx $2K per year, billed quarterly. Everything including moorage. Total, 100%.
We have all concrete docks, with new electrical service, now all GFCI to 30 amp outlets. Wifi that covers most of the moorage.
Our fire standpipes meet code and are tested yearly.
Only downside is that we do accumulate some sand (we are sited by a river bank) and so operate our own dredge a couple of months each year in the late fall. We operate our dredge with a good sized crew of volunteers.
Obviously, we attract DIY and hands-on members, rather the the blue blazer & white ducks crowd at many larger clubs....

We have a clubhouse, but do *not* have a restaurant or bar, however!