I have said this in another post, but it's worth repeating here, there's a general rule of the 100 Wear Rule. If you are wearing the correct size and shape bra and take care of it, you can expect about 100 wearings before it needs to be replaced. If you rotate your bras where they are worn once a week, you get 2 years of wear. If your bra has three sets of hooks, then roughly every 8 months should average the length of time you are on a set of hooks. Of course that's an average. I have personally found that the loosest set stretches out quicker because the fabric is new and is settling. I sit on the middle and tightest set much longer than I do the loosest. And if my weight fluctuates up and down like it has during COVID, I might be moving between hooks depending on comfort and support desired.
And I too like my band very snug for best support and comfort. I can't stand a loose bra. The effect of a loose bra is uncomfortable to me. Nothing is supported, everything is moving and bouncing and the bra won't stay in place. Might as well not be wearing one. Tugging and pulling on it constantly. Drives me crazy.