History - I've been a season ticket holder for nearly 20 years. I live 3-4 hours away and typically make it to 4-5 home games, all playoffs and one road trip per year.
It really comes down to the PSL price for me. As it is now, during the recent playoff years I've been able to sell off unused tickets with a reasonable expectation that I'd recoup most or all of their prorated value. Before that, I'd end up donating tickets to the United Way, because it was a better value than selling for $10 (but my tickets were 30-40% less than they are now. If the PSL fee isn't astronomical I'll probably keep them, so I have automatic options for playoffs. If it's 5k+ per seat for lower bowls, I'll pick 2 - 3 home games per year, one road trip and buy playoffs on the secondary market.
If the PSL triples or quadruples your cost basis, it will be hard to recoup that it one year. The resale value of PSL has been historically poor. You may only recoup a fraction of what it cost you in the future.