Thanks for the reply, but are there specific add-on fees for events calendar / memberships / downloads / subscriptions, etc. as separate plugins or paid modules? Wordpress.ORG has a lot of free plugins + some that have added costs for more features.
Actually: http://www.racedepartment.com is very, very close to what I want!
MENU = Home, Forum, yTube, PREMIUM, Downloads, Calendar
FRONT PAGE = Home = news / blog + adverts - unless you - register / join / pay
As far as XF is concerned, other than the official software, Media Gallery and Resource Manager, anything else would be from a third party.
You can try the core software and official add-ons here: https://xenforo.com/demo/
I don't know what else @Bram is running on his site, perhaps he can respond.
I develop TBGclan as provided by example. We are currently using the free xenporta 1 but are moving to xenporta 2 and devloping new widgets for that. Brogans portal is another option. I personally developed our theme from our old vbulletin theme but there are some good gaming themes out there.