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My local model railroad club (not an NMRA club) also has similar rules reguarding attending meetings events (and incidentally similar dues) for the same reasons as described in earlier posts.  Our insurance will not cover non-members in the event of some sort of accident that may occur at a membership event.   I decided to join the NMRA so that I could attend the 2014 National convention and train show in Cleveland.  I was curious about what the convention had to offer.  Some clinics are better than others, but I feel that I got my money's worth out of it.  Same with this years convention.  Its not for everyone, but if you want benefits of membership, you have to be a member. I'll close with this thought:  Would you expect a modular model railroad club to allow you to run your newly bought locomotive on a club layout at a show all day with out getting membership dues from you?  Test run, maybe, but tie up track and time without being a paying member: No.  Thats not fair to the people who payed for membership and built the modules.  My verdict: the NMRA's policy is reasonable.
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