My local club have loan cars too which are a great way of promoting r/c and a cheaper way for people finding out if r/c is for them or not
Maybe not many clubs in general have this feature, but if someone is willing to let you try using a spare car or something it can help you decide if r/c is for you or not, some are just hooked the minute they see the racing (I know I was many years ago, lol).
A possible plus point about buying your own stuff though is getting to grips with it and learning before you go to a race meeting. This isnt always the best way, but it can help some people
I would say that you have to have the desire to learn and practice if you want to stay in r/c. Winning does not always come easily and it has its good and bad days.
For some, winning is not everything, but improving or just having a good day out in general is enough