Loyalty is very subjective.
I personally think someone who has had a season card for over 10 years and takes in a few away games every season is far more loyal than someone who has had a SC for 2 seasons and been to every away game this season.
The current points system prefers short term fans who travel away now and is self perpetuating in nature. It becomes a closed shop.
I always think of those who trudge out of grounds after demoralising performances at places like Reading, Coventry and Millwall this season and admire them, but what about the fan who was there when we got humped time and again at home under Strachan, Mowbray, Monk, pulis etc, let alone before that?
There is no right or wrong with subjectives. I just feel time served and money spent with your own club deserves most reward.