It is a case-by-case basis because it depends on the standings. As of this moment (110 games), you are tied with torrone (I'm sure he will collapse, lol) and 3 games up on the third-place team. You can afford to wait a bit longer (maybe until around Game 130) before committing to playoff mode. You can't afford to fall more than a couple games behind, though. If the third-place team goes on a run to make it a three-way battle, then I would shift into playoff mode.
Of course, you can go for it now, hope to pull away and then hang on. Depends on how you can improve your circumstances.