I'm new to this forum and just saw this thread...after reading the original post I imagined he was talking right to me. In fact, it was exactly that time (July 13) when I was trying to establish my official handicap. I had just joined a club and needed an index to join the league.
Anyway, here is my story if anyone is interested. Been playing since I was about 12 (24 years ago) and was better than average in HS (about a 6) but never needed an index. I didn't play in any tournaments besides the school events, so no one cared about an index. We just played golf (lowest score wins).
In college I didn't play seriously, just with some buddies every once in a while and if it was for money, same thing applied. Lowest score.
After that I didn't play much and bounced around for a while (in the Navy) so didn't have a regular group to play with. Establishing an index never occurred to me, I just tried to go as low as possible. Never really played for money that much, which is odd to some.
Then, once I settled down and could afford to play more I joined a club two years ago. Now the index means more than anything. It was a bit of a struggle at first, but getting used to it.
It can be hard for guys like me when we are giving up 10 strokes to someone and get pencil whipped, but that is the way it goes. I can deal with it.
I tend to play in events more when there is a gross winner. Feels like more of a challenge, especially when there are a couple of scratch players in the field.