@bluebelle You will find the answer to your question about lots above you in Reply #2259.
Ricalynn has quoted an excerpt with the ruling on the use of lot traits and clubs, which I have requoted below:
BIG CHANGES ** PLEASE READ **
Lot Traits & Club Perks Rules
Lot Traits Route -- Only one skill boosting lot trait allowed, the other 2 spots can be empty or any non-skill boosting lot traits. Once all the traits are chosen, they must remain the same for the rest of the dynasty.
Club Perks Route -- Only one adult skill boosting club perk allowed, no limit on other perks.
CHOOSE: Lot Traits OR Club Perks, cannot have both. No changes once you pick a route, must remain the same route for the entire dynasty.
You may opt to not choose either route, this means NO club perks and only allowed to have non-skill boosting lot traits.
*** NOTE *** If you have already used multiple club perks skill boosts, don't worry you are still qualify for HOF status. Go with the club perks route and keep all the skill boosts you have, you are exempt from the one skill boosting club perk rule. If you rather go lot traits, disband and delete your club.
REMEMBER if you are not aiming for Hall of Fame, none of these applies to you as you can do whatever you want in your dynasty.
I don't know how the above ruling applies to clubs that your dynasty family didn't create.