ReWahoo: Actually, most of the "tournament golf" I play is on week-ends, but the course is closed for all but tournament players, so crowding isn't really an issue. (Wearing a Kilt or Knickers, would result in more "Teasing" than I could handle.) 
Dog52: I also belong to a "Club", and you're right on regarding the cost of playing per round. My main expense is playing "Tournament Golf", and at my age, it is up for grabs as to how long I'll continue that. 
Sandy: My income really hasn't went down, but my "Druthers" has.
I'd much Druther play golf and fly-fish, than go on a cruise, or travel.
My wife feels the same way.
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