Almost all the cruisers I know of that are members of a YC use it for just that purpose. At $4/foot, you can quickly see why reciprocity can make money!! However, we still have not joined. We may yet, though, but our decisions will be based upon the reciprocity and where.
Also, shop around because some of the YC's are HIGH, and some are very reasonable. I think the entrance for St Pete, which has a lot of Reciprocity, is $5000. There are some in Miami, IIRC, that are a 10th of that.
S/V Hylyte, are you a member of St Pete?
The initiation fee for 2012-13 at SPYC is a bit north of that figure for those over 40 (I've inquired, but am not a member). I have attended a number of events, sponsored by other organizations, at several of its local facilities. It is an elegant club, and it sponsors many regattas and other activities.
St. Pete and environs also support several yacht clubs of the "working" type, with dues a fraction of SPYC, fewer activities, and serviceable if smaller and less elegant facilities.
To my understanding, each of these clubs has reciprocity with many others in Florida. Each has good sailors, racers and cruisers and others, as members. Each has its own social scene and personality.
There are likely similar choices among clubs in many harbor towns. Nothing wrong with choosing that which best suits, or (my choice, at least for the time being) none at all.
To more directly answer to the OP's question - ask around to find out about clubs of interest, and don't be afraid to make a direct inquiry at a club if that seems best. Good luck!