True, but it makes it an easier conversation starter. $400 versus $820 for a family of 4 for the downpayment, "only" $9 more monthly per pass.
It's not the way you should look at finances (should be a full-year look not month to month, IMO), but it's easier to drop $400 over $800 at the start.
Domestic travel is down, according to airlines, so definitely leaning toward the undesirables/FL residents now lol