One of the philosophies of the club I run with is that no one is forced to do anything they don't want to. No peer pressure in that department. In fact we encourage each other to only go as far as the driver feels comfortable.
In addition, we don't have anyone in our club that uses a trailer. Everyone drives their rigs to the trail, on the trail, and home from the trail. Most of us are driving our daily drivers off-road. I guess we all like the idea that we are driving our vehicles anywhere so they are all moderately built. No one is running larger than 33" tires.
Most of the places we run have bypasses for the harder obstacles, so there is never any pressure to get stuck. Some will dive in, some will do the bypass, and some will gauge the obstacle and make a call when we get there.
It is no fun if you are feeling peer pressure to try things that you are not comfortable with. This is a hobby, after all, and people should pursue it because they enjoy themselves. Any hardcore yahoos are definitely confronted by our group and asked to tone it down if they want to run with us.