If it was just the XP, you be 100% right. It's more I just lost the drive, since by the time I hit 60, get keys, get epics to point i need help on fights, the "fun" guild phase is long over. For me the fun phase with a guild is when everyone is pushing to level, key, gear, run quests ect, and you finally start hitting the raid content. It's a big part of the reason I generally never consider joining one of the bigger TLP raid guilds. With a more casual guild I get a little of that old school EQ struggle feeling, but still get shit done, if that makes sense. Coming along late, and begging for help/groups, and getting loot by default just fucking sucks for me.
Why I was thinking of just waiting it out until a bit before Velious. I dunno, maybe I'll just level them this week anyway, cleric and necro both in 40's, not that hard of a push, just demotivated currently. I didn't even get to know anyone or really group with anyone in guild before my internet got fucked up, the handful of people I knew before seemed to have moved on.