We're having this same discussion on the Delphi Stamp Forum, so I'm going to respond to a different aspect of your question here.
In terms of membership values, both the 2007 survey and the recent dropped member survey (as well as the focus groups undertaken in Portland) all suggest that there's a wide spectrum of services that people are interested in, and that members and nonmembers alike frequently do not know about all of the services. People *do* find value in the circuit sales (we could use more, of course). For some collectors, there is no substitute for being able to look at the stamps in hand. For some sellers, they don't have computers or choose not to use eBay
or to have to handle shipping of individual items. The tradeoff of up-front preparation work for sales (in circuits or on StampStore) is that you don't have to handle buyer relations or shipping.
The insurance program is a valuable benefit for many collectors (though, unlike 20 years ago, there is at least one other commercial provider of similar insurance). The Code of Ethics can't be substituted online. The library hasn't material that is almost impossible to find anywhere else, and I no more expect the library to digitize all of that and send it to me for free than I would expect any other library to do. [access to interns from Penn State should continue to result in finding aids to archival materials, and volunteer work to identify other online resources might be useful, but that's up to Tara Murray and her staff].