there is no real answer, because it depends on what you want, and what you give. I think the trick is to find out about everything that is on offer and give it a go - consider becoming a Right to Ride rep if you think you have something to offer, go along to the club rides (our club rides are a great education), or, for that matter, when you've got the hang of what's involved, start a ride yourself. Read the mag (always entertaining) and think about the Holidays and Tours. Follow the campaigns and see if there's a local issue which is generated by (for example) the campaign waged by Dave Holladay to put bike on trains.
You can, if you want, simply take the insurance, take the mag, take the touring advice and all the rest of the benefits and be happy with that, and there's nothing wrong so doing. Or you can join in, which can be rewarding in it's own way. As you've probably guessed the FNRttC is, for me, a very, very happy thing. I've met and got to know a whole bunch of the sweetest people that I'd never have met otherwise, and, for that, I've got the CTC to thank