I don’t think the free rider problem applies for pure charitable donations, but I see now why you made the link with taxation.
You regard a donation to the Red Cross as a contribution for services that you may, at some point, benefit from – like a voluntary social security.
Forget about the Red Cross, which might one day pick you up from the road after a collision with a truck. Think about Oxfam, the Royal Society for the Prevention of Cruelty against Animals.
The only utility you get pout of a donation is a warm glow.
Now rerun your reasoning.
Does that help?