Hello, Everyone! I'm a newbie with a question

I happened to notice recently that there is a Master's Swim session at my Y. I'm interested but here's the awful truth: It has been years and years since I swam regularly. I would say that it's been 10 years since I swam laps and 15 since I swam in any kind of competitive way (I was never on a team really but swam in the intramural league and did a triathalon once.) "In shape" was a long, long, time ago. I would say "way, way, out of shape" is more accurate now. So ff to a few days ago when I noticed the Masters Swim info. I hopped in the pool and think technically I'm, well, okay. I think my strokes still feel good. But I'm slower than molasses, easily winded, and have no stamina . . . at all! The very idea of appearing, in my swim suit, b/f a crew of super fit swimming masters is more than a little intimidating and the idea of frustrating everyone with my uber slow strokes is more than a little daunting. So, what do you think? Is the Masters Swim for old has beens wanting to get back at it? Could I expect a mix of abilities, including utterly out of shape, or just the . . . well . . . M*A*S*T*E*R*S! Would it be better to spend some time in the pool catching up b/f committing to the Masters program? That would really seem sensible but I have an accountability issue. It's awfully hard to get up early to swim and I need the accountability of paid membership (there's an additional charge for the MS) or a team/group dynamic that'll drag me out of bed. Any good advice out there?