Hi there, BiCoupleTN69! I've never been to either type of club, so I can't really discuss this on either side, but I can always ask questions!!
Coming from zero knowledge base, I would think that the off-premise club would be best for newbies simply because the temptation to participate would not be there...at least not as readily available. From what I've read, many people have made mistakes by jumping into the actual "swing of things" too soon, placing their relationship in jeopardy. Those without experience might find it very difficult to say no to the temtations...kind of like a kid in a candy store...eating up all the candy without a clue of how sick they are going to be later. Also, in that type of environment, some people could be pressured into doing and acting in ways they would not normally act in.
I would think that going to the off-premise club would allow for the titillation and excitement, yet leave room for a couple to give some serious thought to the outcome...being certain they were proceeding because BOTH chose to do this, etc.
All the other things you mentioned could be found in an off premise club. Right?
And tho' written in statement form, these are questions. - EBF