Well, first you have to remember that AARP is the undercover left wing arm of the national teachers union. Apparently, they got in trouble with the IRS and so changed the name etc.
Like a lot of things in the US, you don't have to agree with them to get something of value from them. I save about $300 a year on my car insurance with Hartford. I get 10% discounts here and there. Many of their recommended advertisers are a rip off, i.e. pc anywhere or whatever it was.
I don't know what the $45 was for, I just renewed and it was $10-12 a year. I originally joined 10 years ago, I don't remember what it cost, but it wasn't much, I must of bought it for 10 years as even though they kept sending me renewal notices, I was still good until this year.
Yes, they suck but there are a few good things from them. I'm getting screwed from a lot more entities than them, most I have no choice but to belong.