I have yet to pay for the privilege of fishing a stream or creek, there are just too many public places to fish with NO CROWDS, if you have the wheels and know the spots, and are willing to do a little hoofing.
Now as far as warm water fishing goes, I have paid to fish a VERY local establishment and the opportunity to be invited to fish private hunting/fishing club ponds. I have caught my biggest bass, gills and crappie in these ponds! And in addition, had the entire place to myself/ourselves for an entire day!
There is just something absolutely crazy about being out on some great fishing waters in the backyard of some 14 million people, and having it all to yourself!
As I transition into retirement, my plans are to shop around and join a fishing/hunting club with some great water, and haggle for a "fishing only deal"