I have online accounts with Twin Spires and TVG. I use Twin Spires 90% of the time; I only use TVG to bet tracks that TS doesn't carry. It is easier for me to bet online since I work oddball hours at times. I also find it easier to play from home on big days when the wife has plans in the middle of the day.
I live 30 minutes from Kentucky Downs and between 2-3 hours from Ellis, Churchill and Keeneland. I will go to KD for their live meet, and maybe 4-5 times a year to simulcast (just to get a change of scenery). I do travel to the other 3 tracks about 6 times each during the year to catch some live racing.
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