This paints a much clearer portrait than the original post, The photo made me think she was very unreasonable, as that isn't really that many clubs, but now that you've expanded your situation I can see her point.
Don't get me wrong, I certainly don't agree with her, but I see where she is coming from - I'd like to help you out, but I've already got 3+ sets of Hogan's and if I got any more then I'd be closer to your situation than I care to be.
Thoughts & Prayers for your pending loss
This is not really what I shot since it was a scramble my wife and I played. It was in the low 40's, windy and some rain. We decided it was so bad we would play a two person scramble. We had almost no people in front of us all day and played in 2 1/2 hours, shot 37/38 75. My wife is 74 and I am 76 so it felt like we accomplished a good round Friday.