If you wanted to play a lot in next two years I'd be putting a line through Huntingdale (just started a 2 year renovation) and potentially Spring Valley as they are going to need to rip up their greens soon (were horrendous on Friday when I played).I'd looked at Huntingdale, Spring Valley, Metropolitan, Yarra Yarra and Commonwealth. Riversdale is the next level down but it's still out of budget.
Keysborough seems reasonable, but don't know what the course is like.
If you are under 40 Commonwealth and Yarra Yarra are two of the last clubs to still offer discounts to this category.