Interesting points you raise Don & Tom.
The FPA is for Amateur as well as Professional musicians. There are a lot of us "Amateur" artists that offer services for almost expenses, or FOC and a fee of any sort to join say the MU would seem pointless.
Taxation,Accounts,PRS negotiations are pretty rare for an amateur although it is as well to know the procedures just in case something comes through the post.
The Insurance of Musical Instruments on the road however is of particular importance to us all and it is a point that I raised for discussion.I talked to a couple of Insurance Companies with regards to membership quotations, but could find no interest.
Al