That's right about the local clubs having a variety of conditions. I can say the only thing you have to watch for with Front Range 4x4 is being deleted for inactivity. FR4x4's focus is on wheeling, not web wheeling. If you don't log in to the forum for a couple months you're deleted, this keeps the "member" numbers real rather than clubs that have 20 active members and the forum shows they have 2,000+ members. There are no dues, no mettings, no leaders, no vehicle or experience requirements, etc. If you're looking for a 4Runner only club this isn't for you.
As an aside, I know this because I'm the founder of Front Range 4x4.