From home - I can walk to fish for steelhead or SMB. I'm not really interested in bass so in the summer when I fish and am based out of my home, I drive a little over an hour to fish for wild trout. I fish for trout/steelhead 99% of the time I fish. I Travel up to an hour from home for steelhead depending on river conditions. DE River system is 4-4.5 hours from home, i try to get down there as much as possible.
Where I used to work, I was about 1.5 hours from the DE River system and I took advantage of being so close. Right now, I work about 8 hours from home. 4 hours to central PA. 4 hours to DE River system. I usually find somewhere close to work to work during the week, where I am at now, there's no fishing that I'm interested in nearby. Most of my trout fishing is for 2-4 days in a row. Where I am supposed to work this summer, there should be plenty of trout fishing nearby.
If I had money, I'd buy a place in the Catskills and one in Island Park, ID. I'd stay at home from Nov through April and fish for steelhead. From April - June my home water would be the DE River System. From July - Nov my home water would be the larger water between the Madison and the S Fork of the Snake River (which is tons of floatable water).