I agree and have let my HOG membership expire. I do not ride with a local chapter and have no need to join the national chapter as I had done for the past 20 years. The ONLY benefit I see in the current National HOG structure is that it is a requirement for joining a local chapter and if it is a good one then it makes sense to me.
In the past the Fly-N-Ride was the major benefit for me having a HOG membership and through the years we took some amazing trips that way. Once to Seattle, Victoria BC, Whistler, through eastern BC and down into Eastern WA state back to the coast then boarded the ferry to Victoria Island and then back to Seattle.
We also did a Fly-N-Ride from Frankfurt Germany, to Barcelona Spain, along the French Riviera into Italy and then up through the Alps (Italian and Swiss) then through Switzerland to Bavaria and back to Frankfurt.
Those times were priceless and I would never have dropped the HOG membership if this perk was still in place.
Cheers!