I have not started a club from scratch, but I have run a glider club for 8 years as president and helped the new administration setup up a new club as a 501 c3 operation.
In general, you can make it as much work as you want. I put a lot into the club over those years and pretty much burned myself out towards the end. It's like society, you're going to get some great people and some assholes. The assholes will suck the fun and the energy out of you at a rate 10x what the great members will replenish.
You need to have a no asshole policy written into your by-laws and it should be possible for the board to give someone the boot for "actions detrimental to the benefit of the club" so that you can get rid of people if need be. Our glider club by-laws make it nearly impossible to boot someone. I would restructure it so that the board can eject someone relatively easily, and the member can challenge that via the more difficult path. In our case it takes a special meeting and 2/3 vote of eligible (not just present) members to eject someone. I'd reverse that logic. The board can eject someone, and if they can muster 2/3 of the membership to vote them back in, they can be reinstated. That way you have some path against abuse.
The other issue with clubs is that people do not treat club aircraft the way you probably treat your own aircraft. Maintenance costs will be higher as a result. You'll find things broken only when you show up to fly and nobody will seem to know when it happened.
It's not all pessimism though, you just need to have a realistic expectation. If you love and adore your airplane and treat it kindly, you may be quite unhappy with how others will treat it. You can manage that to some degree by being selective in who you allow to join. Have a probationary period where they must fly with you or a board member. Have clearly defined rules about how to take care of the aircraft. Have a sufficiently high buy-in that people feel some level of ownership as well.
In general I think clubs and partnerships are a good thing, but they have challenges. I've been partners in a few different airplanes. Mostly positive experiences, but can be hard when I do all of the maintenance and then watch a partner "abusing" the plane in some way shape or form. Not really abuse, just not as smooth and gentle as I'd like the airplane to be treated.
I haven't looked into all of the AOPA assets in a while, but I think everything you need is there. Just need a basic corporation, usually 501 c7 not-for-profit social club status is the most simple. Then good bylaws and a board.
Insurance rates for clubs are typically cheaper than for commercial operations. Heck start a glider club and get insurance on your "towplane" from Costello Insurance through the SSA Group plan. Open pilot clause for about $1700 on $40k last time I checked. Members just need to be SSA members and members of your chapter club. Better still if you add some gliders and make it a real glider club, but I'm biased towards soaring.
Morgan