Yes boatclubs are worth considering. They are all different, I didn’t get interviewed for the last club I was in (to any newbie thinking of starting a boat club - I’d recommend you always interview as there are some funny characters on the canals!), there was a grass cutting rota that required you be responsible for the grass one week a year so that wasn’t onerous, and a couple of working party days a year to do odd jobs. There was water but no electric or elsan.
The downside from my point of view is they are much more social….no such thing as keeping yourself to yourself. This is great if everybody is easy to get on with but as the saying goes it only takes one rotten apple to spoil the barrel, and I did come across a few rotten apples.
It was very cheap though….paid £1200 for the year 2023-24 for my 40 footer.