Now for the middle of the road ....
First, I support the need for a gym specifically for the coaching aspect one gets. Most folks who yo yo on weight loss are not taking a holistic approach concerning fitness & nutrition. It takes matching the correct Kcal in with the Kcal burned. Balancing the ins so that one does not feel hungry but more importantly to supply the needed nutrients for life. The outs are a combination of body strength and cardio. You must do both to keep everything level.
As previously posted, look at several gyms. It is not exclusively a cost issue but one where you feel welcomed and appreciated. It should be within you daily sphere of life....i.e. if working on the way home or to work so it is convenient to use. Work a deal if you decide on one that includes 3-5 sessions with a trainer... a trainer that you can select once you get to know them. Gyms can be a social outlet, but use common courtesy while on the floor and don't be too social. Classes and other activities offered by gyms are a good way to meet others.
I am like Ms. Toad.... I was a trainer, cycle class instructor, running class instructor, endurance coach and overall gym rat all on top of my real job and life.I quit the gym in 09 and have a personal gym in my house where I now workout, run with one of my old groups and avoid the gym like a plague. I am thinking of joining a new one that is a nice little 5k run from the house, but the thought of making payments bothers. me. (one benefit of working at a gym is no dues).
While I have a personal place in my house, I and I bet Ms Toad would caution a newbie on going to a fitness store out of the blue. No fitness equipment at the house will help with fitness if it stays unused. You would be surprised at how many treadmills turn into expensive clothes hangers. My gym is relatively inexpensive. I have Power Blocks & a bench for weight, a treadmill for running, a trainer that I put my outdoor bike on for cross training and a TRX system for instability work.
Good luck in your decision. Sounds like a gym may help bring your motivation levels up. Do try to get a deal on training before signing up so that you have help understanding the bscis of what you need to do.