Hi Bosh,
I've been a member for about 7 years and although its not something you use often when you do need them i've found them a lifesaver, well worth the Money!
A few years ago, when i had two businesses running i hit some legal problems and desperatley needed some advice and direction, phoned fsb and true to their word i was straight through to one of there advisers ( an ex tax inspector ) and subsequently one of there solicitors acted in my behalf and it was a massive weight of my shoulders, think i was paying about £70 a year then.
also when i had my shop they got me a merchant account set up for credit cards etc straight off no questions asked, and theres many other benefits included also, but i think for the legal advice alone is worth it, you never know when you will need it, and if paying could run in to a lot of money.
regards
steve