Keeping it general - if you're interested and keen on cycling for health or fitness, or you have a competitive streak, then joining a club is a good idea at any age, and at any skill level.
We can't speak for specifics of the clubs in your local region.
Most clubs quieten down in the winter/off months, more so at Northerly and Southerly latitudes. Or they might shift focus to indoor riding if there is access to a velodrome facility.
The main benefits are
- Access to experience and social interaction
- Motivation to get out and ride
- On a ride - a target or pace to maintain - gets you that little bit faster and fitter sooner.
- Bulk purchasing power. One club I belong to can supply consumable parts cheap, cos they keep a stock. Any profits are turned back into the club too.
Drawbacks might include
- Minimum attendance. Some clubs have "members in name only" who don't contribute. So its not totally odd to have a clause like "you must join in at least two rides a year." Its not onerous.
- Costs - Clubs have to charge subscriptions to cover their costs. While it costs you nothing to ride your bike, the club will have
- Socialising - Cycling is inherently an individual thing. So it attracts those of us who might not enjoy team sport. Being "forced" to socialise might be perceived as a downside.
- Ridicule - I ride old bikes, and when I turn up at an event with my horizontal top-tube alloy bike from the 90s, there's always someone who looks down their nose at you for having not-the-latest kit. Stuff'em! Best thing to do then is put in an admirable time, better than last time. Bonus points if you beat Mr Longnose!
If you don't want to join a club, that's okay, just ride your bike. Tools like Strava can give you information on your progress and the competitive nature of segments helps.
Nothing is the same as keeping up on someone's wheel in real life, and feeling the boost of a draft.
Finally - clubs tend to run open days or public-access days where a ride or event allows non-members to participate. Ask about locally and find out if such a thing is happening soon. You can try it without committing.