What to wear to a golf club: a style guide for women who want to look right without looking like they tried

The question sounds straightforward. The reality is that 'what to wear to a golf club' contains three entirely different questions depending on what you mean by 'golf club' — is it a private members' club with a formal dress code, a resort course with a relaxed policy, or a public parkland course where the rules are barely enforced? And are you playing, spectating, having lunch, or attending a formal event?