If it is a purely financial decision, why not wait around the corner of the start control then join the riders for the rest of the ride until 100yds of the Arrivee where one can simply peel off into the shadows and drive home?
Hmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm?
Or ride the number of rides that equate to just less than the yearly premium (or even the 5 year premium).
The main reason I joined was for PBP although failing that:
There is no compelling reason to join AUK other than it is the decent thing to do if you intend to ride AUK validated event.
H