The rules are sadly known by those often well behaved enough not to need them, it's the pricks proving a point or getting pissed off cos some middle aged female just swam past them, or loads machine gun the bloody idiots that WALK IN LANES...
I'm in a club, not fast at all but have noticed an improvement in my time, although that then buggers up the ability to go for much more than 75m at a time without going blue. I am getting there. i am. i am. i am 
We do drills with kick boards, they are evil, but my legs are getting stronger and it's just a balance on getting to use them without depleting too much oxygen.
I have flippers arriving at some point this week.. Although I am slightly concerned that the coach said to one girl that she had fins on so could swim in 100s and us without could swim in 50s.... I dont really want to have to double my work at this stage...
That said, the coaches are really nice, and they are saying for me to do what I can do, and that they can see a difference in my swim in just 3 weeks.
I have 2 masters sessions a week, and try to swim another couple of times a week on top, but it's hard because if I get it wrong it knackers me for masters, and that's hard enough without me overcooking a light training session the day before.
Am going for a potter in a lake with boyf tomorrow, which hopefully will go well, if I can just potter about and not have a panic attack, that will be an improvement.