I don't have transference issues with my T and he is DBT trained so it tends to be very pragmatic (this is my disclaimer LOL).
For me, it's based on season. When things have been so hard I could barely cope, I've gone up to two sessions a week. When things are relatively okay, I've popped in once every few months to just do a self-check (my depression is a chronic condition so it's unlikely I'll ever be entirely free of therapy). Right now, with a treatment working and doing well, once I'm fully stabilized, I see myself dropping eventually back to that every few months place maybe by next spring.
Idk. I think of him like I think of my doctor. Someone to have around to help me manage my mental health. If he didn't do a good job, I'd replace him, but he's served me well for the last six years and I've grown fond of him