I wavered for years and finally joined up about 4 years ago. Our local group is great; monthly meetings and cheap PDHs. I looked at the insurance but got a better local rate. For me, as a sole proprietor, it's also somewhat about showing prospective clients that I'm legit and not just fly-by-night (too expensive if I weren't serious!).
I really enjoyed this last national conference, and even got a great local connection from it.
OHIOMatt, I get that they want to fix infrastructure, and I get that they lobby for money to fix it. I guess I don't see it as such a horrible thing to fix roads and bridges. I have no interest in participating in the Fly-Ins, though. I'm about local residences, not national infrastructure.