With enough coverage you could in theory take all the time off you wanted, although some airlines might have a monthly min credit since they may not want the overhead associated with pilots who never fly.
In reality, it won't be so easy but will depend on time of year, and what the airline has going on at that moment.
You can also incentive other folks to pick up your trips. This obviously adds up but can be an enabler for lifestyle events off you can afford it.
As others mentioned, you need to do your three cycles every 90 days. Some companies might get annoyed if they have to send you to SIM for that.