Wow, now I don't feel so much a fool.
One of my favorite and best private waters around is Skytop's infamous Leavitt Branch of the Broadhead and no club needed. 35 buck a day gets you access to all that private water and it is teeming with monstrous trout eager to take a fly. You can even keep a fish or two if you'd like. I'm lucky enough to fish every day if i like, my wife works there, and i wouldn't trade it for any public stocked stream that has a name.
And its true, its tough to pick a private club based on their creek if you've never fished it. Try and get access to these private waters before you buy in (it's a helluva lot easier to do than you think, just gotta put some ffort into it). Makes the decision a lot easier. As mentioned before, some waters are better to look at than fish. I have access to the henryville stretch of the broadhead as well. Fish it more than most of the members. Sure, plenty of nice trout in there, but it is put to shame by say the Pohaquiline stretch of the Mcmichaels (which is semi-public now anyway). I fish Bright Creek a few times every year, this creek has that disgusting swamp gas smell and is just one massive flat mud bottomed creek, looks like crapt, but this creek can put any other to shame. I believe the bottom of the creek is made up of trout crapt with the number of fish in there, and the fertility of this creek create 16 inch native brookies. I'd buy into this one in a heartbeat (especailly that they own a private stretch of the Big-Bushkill which can make a grown man cry), but way too much to buy in. I guess its all a matter of what you want and how much you believe a native versus stockie, quantity versus quality is worth to you.
Cheap clubs are hard to come by as well. Blue Devil Rod and Gun club owns a beautiful stretch of Pocono Creek by Camelback but all they have is 10 inch native browns for a less than $1000/year dues. Beautiful creek, awesome people (heck they let me fish it for gosh sake) but it just aint worth it.
I'll be buying into a club here in the next 10 years and I know after hitting all these private creeks, I just wouldn't feel right buying into a club without actually checking out the creek (except maybe the Pocono Lake Preserve, that's my dream). Just my $.02 to add to your buy in.
And remember, there's always the Spring Ridge Club (death to Donny Beaver...booooohhhh!!!:looser
Dr. JM