Here's another idea about an un-ideal UY: don't book on-site stays during the last few months of your UY, if possible. We got a June UY when we bought direct from Disney and didn't know any better (I'm still okay with the price, but the UY month thing and not having multiple contracts kind of bugs me, but oh well.) We travel in the fall or early winter for our "big" trip each year, but also like to do a shorter May trip. I just don't use my DVC points for that May trip, and we stay off-site. Do I look longingly at my "home"? Its kind of annoying to know that if I'd been able to pick a different UY I could book some May travel with borrowed or banked points without having to worry about renting them out if for whatever reason that trip gets cancelled (eg DH's boss changes his mind, etc). But it is what it is, overall we're happy with our DVC and feel getting the contract when we did for the price we did was worthwhile.