Wet lease? Yeah, clubs and leasing are an accessible option but depends on what you want to do. Flying a tiny 182 Cessna, sure will be as much as a nice Sim setup. For one flight, at $200 an hour, that's 5 hours of flight or thereabouts and you're already over the price of the simulator.

Fly commercial jets, like the one this picture is simulating? No way. A small Citation jet starts at $50k a month. That's probably already 5 times the cost of equipment in that photo. And you can fly the big birds and do crazy stuff with them in the sim.