In theory, clubs are great ways to build a stash, but I would find fat quarters too limiting since I usually need more yardage for what I make.
But the worst...I am VERY picky about my fabrics and it would kill me to let somebody else choose for me.
At my LQS, the owner's husband took me around one day trying to help me find a certain color. I was so embarrassed as I said, no, no, no, not my cup of tea, etc. He was pretty good about it - not offended - and they learned that I'm a fussy customer about which jokes are occasionaly cracked good-naturedly.