Hi, and welcome to the forum!!
We have some folks who install liners that post here and I'm sure one of them will be along shortly, but I can tell you that 10 years is about the average lifespan for a liner, depending on how consistent you are about keeping your water levels balanced. I recently replaced mine after 8 seasons. I know that if you leave the pool empty until spring with the existing liner, the liners tend to shrink and probably won't be useable next year. However, if you patch the holes and refill it, maybe you could get another year out of it, I just don't know.
I know that's not a lot of help, but I don't have to deal with freezing issues and pool closings like you do (I'm in Louisiana). However, for what it's worth, if you normally keep water in the pool for the winter, I would try to patch the holes and get another year's worth out of the liner--no need to replace it until you absolutely have to!!
Janet
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