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So in addition to Pop's shelling out whatever our yearly fees are, I would have to donate to the ILA to ensure legal action?
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Here is how it works:
NRA - they promote education regarding firearms, ranges and competition. They run the Eddie Eagle program, teach firearms safety to children and adults, provide advice and grants to range owners, organize and run various firearms competitions, and promote academic research etc.
NRA-ILA - Lobbies Congress in favor of specific legislation, works with state groups to pass legislation at the state level when that is more appropriate.
NRA-PVF - Works to get pro-NRA candidates re-elected and donates to their campaigns.
NRA Civil Defense Fund - Pursues Second Amendment litigation as well as helping ranges being threatened with civil suits and occasionally assisting in defense of gun owners who have used their firearms in justifiable self-defense but got caught in the legal system.
NRA Foundation - a 501(c)(3) non-profit that is basically the NRA's answer to the Joyce Foundation. Donations here are tax-deductible.
Your NRA member dues go towards the NRA only. The other organizations are supported by donations and other fundraising events.
And while the NRA Civil Defense Fund is a worthy cause that does a lot of good and is deserving of your money, if your thing is that you want to support top quality Second Amendment litigation, my personal opinion is that the Second Amendment Foundation has been more successful on that front.