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, roughly 25 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.