I generally use "anarchist" to describe my political philosophy. I'm pretty sure I'm using it correctly, but I'm not certain. I haven't had much contact with other "anarchists", just a bit of exposure through history and such.
First off, to me, "anarchism" doesn't mean "no government". Rather it means "no intrinsic authority". What I see among historical anarchists is an opposition to practices that, frankly, aren't all that often practiced any more, in the political realm. I'm referring to rule by bloodline and such, nobility and royalty. I get the impression the early anarchists wanted to do away with royal governance, in favor of a federation of voluntary governments instituted at the local level. Which is to say, they believed in government; they just wanted to do away with imposed external authority.
But I do see our current economic relations as having a great deal of externally imposed authority in it... though going into my beliefs about why, and what could be done about it, would be beyond the scope of this essay.
To me, anarchism means the following:
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Favoring no unnecessary relationships of authority.
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Where authority is necessary, it should be granted by those over whom the authority is exercised, directly and individually, to the greatest extent practicable. So, for example, if we have an economic system that leaves both employers and employees with the same level of market power (we do not, but if we did), the employer-employee relationship would qualify, since it commences by choice of both parties, and can end by the choice of either party.
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Where this is impracticable, the authority in question should always be temporary, with a clearly delineated end. For example, the parent-child relationship is necessarily one of authority, since children lack the faculties to make all the decisions one needs to make. But this relationship should be premised on preparing the child to survive outside this relationship, and have a clear end point (the point of their majority). And I mainly include this but just for the parent-child relationship; I can't think of any others.
All this being said, I know there are those for whom Anarchism means "no government", usually detractors who don't actually understand the philosophy... or so I assume. Do I assume incorrectly? Is my use of the term wildly incorrect? I really don't know.
Well, by "necessary authority", I'm referring to two kinds of roles. The first is coordination, when you have a large group of people that functions better if you have someone who's job it is to do things like maintain the schedule, coordinate reception, sales, and production, and things like that. The other is the teacher-student relationship, where by necessity the student kind of has to just obey because, by definition, he does not yet have the knowledge to fully evaluate the usefulness of whatever it is he's being told to do. A semantic case could be made that this "isn't really authority", but a semantic case could also be made that it is. I am open to more precise terminology.
When you talk about doing away with authority and just acting directly, I wonder how much experience you have in leadership. I don't have a lot, but the one time I was in a position (organizing events for a little fan club), there were a few who weren't comfortable with my "hands off" approach to managing interpersonal relations within the group. When a problem finally did arise, it was the very people who were complaining who were at the center of the problem. I ended up having to kick them out. This works well enough as a fan club, but on a larger scale, outlaws are often armed, and dangerous, and if there's a way to avoid the situation entirely, that way is probably a good idea. I figure that's why almost every society has a guy in a funny hat or something whose only real job is to say "I'm in charge". Generally speaking the actual leadership is done by others most of the time (in political theory this is the separation of the head of state from the head of government), but just having that guy there makes a certain type of person feel better, and behave better.
the simple or flavorful use of 'authority' usually just means someone is well respected on a topic "She's an authority on electrical motors" or that they posses some leadership qualities and are well liked.
the second and more dictionary definition of authority is authorization to rule. literally to dominate others because they are seen as legitimate.
your example of a club is a good test ground for these differences. it's up to you to run your club, make agreements with other members and share responsibilities even if people are happy to let you decide things or do most of the work. but your club doesn't have any claim to legitimacy, to true authority, because it doesn't seek to control ALL activities of that type. in the case of government, it very much does claim authority over the entire nation, to determine who can move where, who can work where and how, who must fight and who must be put to death.
there's no competition allowed with a structure like government. either obey or resist and face consequences. i'd much prefer a world of overlapping autonomous 'clubs' whose members decide for themselves than a world divided up by the greediest and most violent mafias.