Check out this Skye Jethani post on "De-Churched Christians."
Most of the 3.5 of you who read this know that I personally would count myself within this group--the 2nd kind as Skye defines them--although as a family we still attend the more institutional version of church too (in fact Matt Chandler's church The Village, who Skye has a video of in this article). But it's a great discussion to have.
In some ways I fit into all 3 categories of authentically de-churched. Relationally I agree that most institutional churches today are really large gatherings of a bunch of churches in one place. Missionally, I'm amazed at what smaller, organic churches can do, like my friend Keith Giles' church in Orange County, which gives 100% of tithes and offerings to the poor. And finally I wholeheartedly agree that the best, deepest and truest transformation happens in groups of people who are relationally living life together, not by listening to great sermons or singing great music.