Depends on the club.
If the club kit is emblazoned with sponsor(s) logos you can expect to be given kit – and expected to wear it on club rides.
If you are not given kit I would expect it to be heavily discounted (trade price at the most) and wearing on club rides to be fully optional.
If non-sponsored, full whack and fully optional.
Many members ask for club kit so they can appear to “belong”. Problem is that lead times can be so extended that summer kit needs to be ordered in winter and visa versa, with large upfront payments.
Former club chair, kit order organiser, and general grump at all things kit-related. Now I only wear a logo if I’m paid to!