We aren't in disagreement, Keith. A plan like yours has the kind of simplicity that I am hoping for and could support. Is it the best plan? You are actually more qualified to judge than I, because I don't have the kind of experience you have had. I am sure that the staff is looking into ideas like this one. I believe that they read this thread, but if you wanted to be sure you could send your idea directly to Brian Graham.
And certainly the Board is anxious to support measures designed to increase member signup and retention. Our concerns during our discussion were much like the ones you express in your last paragraph.