Hey, Denise! I posted on one of your other threads, but I personally would not do it again. It's definitely not horrible, but things to consider:
- You will have two different banking dates
- If you bank points, they will expire at different times of the year (this can sometimes work to your advantage if you travel more than once a year)
- You can't combine points between UYs unless you transfer, but you can book whole nights (for example, five nights on one UY and 2 nights on the other) and link the reservation.
- If you do want to combine points (e.g., using 15 points out of one UY and 15 points out of another UY to book one night for 30 points) you have to transfer. You're only allowed one transfer in/out of a contract per UY.
With all of that said, there are things you can do to make it easier. For example, every year, I started moving all of my Aug UY points into my Dec UY. At least at the 7 month mark, it was one big pool of points. I still had to pay attention to banked point expiration dates and all of that good stuff, and the Aug points still kept all of the Aug "rules" (e.g., deadline to bank, end of July expiration on banked points, etc.), but that was really not a big deal.
With two UYs, you are truly two separate people to Disney. Their current system does not make it easy for them to toggle between your two contracts, and you have to pretty much know exactly what you want to do when you call MS. In other words, I got really good at calling in, giving them member id #1, telling them exactly what nights I wanted to book (sometimes they weren't consecutive nights) and then giving them member id #2, doing the exact same thing, and then telling them I wanted to link everything I just booked so I didn't have to change rooms since I'm the same member. Otherwise, if they miss that, and you do, too, those reservations aren't linked (remember, you're two separate people in the system) and you could find yourself having to move rooms in the middle of your stay.
Again, not horrible, I just wouldn't do it again. I would pay more per point if I had to. Good luck with your decision.