I enjoy over-the-board (OTB), rated games far more than any other form of chess. I've tried internet chess and enjoyed it, but I like to look the opponent in the eye, watch his (or her) facial expressions, his body language. I want to match wits with, to fight a person, not a handle on a computer screen.
The atmosphere of a chess club is comfortable, like a good pair of jeans, to me; silence during the games but for the ticking clocks, animated post-mortems, the occasional 'difference of opinion.' Playing computers may be useful training, but it bores me; playing what amounts to correspondence chess at Red Hot Pawn is fun and instructive, but the pace doesn't allow the blood to stir.
Nothing will ever replace sitting down at a chess board with physical pieces and playing for enjoyment, pride, beauty and rating points.