Club / team riders, help me out

I answered your survey. Hopefully it was helpful. I ride with a team and not a club. Around here they are two different structures. Your questions seemed more relevant to club riders.

For teams (at least around here), you have less picking and choosing what team to ride for, though you do apply to teams so you can always not apply to teams that you don't want to ride for and the whole team races, usually enters you in the races and your kit and membership are free.