As for the clubs, there is no way you will be able to get into one this season. The best time to start looking is right after duck season. Prices vary anywhere from $1,000 to $80,000/year.
For public access, I would hang on to your boat if you already have it. The Alton Pool and Winfield Pool can be good and they are close to StL, both of these you would need a boat for.
As for refuge areas, you can hunt most of them 7 days a week. The only one I know is closed during the week is Marais Temps Clair. For B.K. Leach you don't need a boat at all. Shanks: it is nice to have a boat, but still not neccesary for all there spots.
"Because a duck is just a 3 pound critter"