"There is NO biblical requirement to belong to a brick and morter church. "
Well...maybe not a physical building, but Hebrews does talk about not neglecting the meeting of the body. Plus I don't think Paul would have spent all that energy telling us how to govern the church if membership were sort of optional.
Your point about "massive" is well taken. But I do think the Bible requires (for lack of a better term), membership in a church.
On this we will agree. It's just too easy to "fall away" otherwise. (Although I don't believe God's standing in heaven with chalk in one hand and an eraser in the other) ;)