When you're perma banned you still have access to DLC and the Digital games you bought as long as they're on the hard drive. Please don't say, "YOU LOSE EVERYTHING!" because really all you lose are game saves and gamerscore, and the licensed (so if you delete anything off the hard drive, you can't get it back unless you pay)
How do season passes work? Is it a download that installs to the hard drive, so I should still be able to get the games when they come out because of the pass, right?