I get the kit order thing, but it's not exactly mid-season right now. If a club is large, there is probably someone willing to sell you a jersey at least if you miss the order. That's really all a cat 4 needs.

On the plus side, at least most races don't charge unattached fees for the lowest categories.

I should maybe clarify, in cat 4 races, it's not always that teams won't work together (or will chase each other down, though I have seen this happen several times). A lot of the time, fitness levels and individual strengths are all over the board on a cat 4 squad. So, say you're a good sprinter. What are the odds that, as a cat 4, you will have a good leadout on your team, even if you could convince that person that you deserve to be led out? It works out. You can find some allies in the field that have a similar style to yours, and you can work together sometimes. Particularly when the fields are so small...there's a bit more sharing the load going on.