It might be good to not restrict it to paying members only. It might help to get new people to join the club. Chatting real time in the tech section, helping out a new person might be very beneficial to the club.
There are a couple of instant message services that are free. You can sign up for MSN or Gmail email accounts. I often chat with family and friends through my Gmail. I normally keep my image turned on, so that any of my friends can see if I'm online. If I have the computer off or my image turned off, then they know I'm not available to chat.
Lots of times when Allan Clarke (Proff on Pennocks) calls from Australia, he has trouble with signals and has to call back. We often go to Gmail to try to solve a problem with his and Julie's Fieros.
There may be others that Pat knows of that might work better. These are just suggestions.