I'm a member
of a club in So. California
. Our monthly dues are $30. They have four 31' boats in the fleet at an average rate of about $200/day including insurance
, gas, harbor fees
, etc. (Smaller boats are less; larger boats are more).
Using your $3800/yr figure that works out to about 17 days a year so from my standpoint if you sail more than that it's a good deal.