I'm about 80 minutes from Mabie, Kirro, Ae and Dalbeattie, 50 mins from Drumlanrig, and about 2 hrs from GT and Inners. I tend to ride the trail centres in the winter, or when the guys from my club are having a day there, otherwise, my nightrides are usually about 15-20 mins drive.
I can live with this, as I live in a nice town with good amenities, but there is no call for my type of work in a rural area (where the best riding is).
It's a trade off.
I also weigh it up against a football ticket, or golf. Some of my mates pay upwards of £750 a year in golf membership, and will pay prob about the same in kit a year, say 250 for a new driver, and 40 odd quid for a dozen Prov1 balls.
I tend to agree with Orangista, I don't want to ride the same places all the time. I start the year with a huge list of rides that I want to do that year, and generally aim to do about a quarter of them!.