You don't lose any deposit until close to the cruise date. For this cruise it is Dec 25th. You can cancel anytime before then and not lose any money. You can move it any time and not lose your deposit as well.
I booked this cruise on board during our March 2011 cruise and knew we would not be going until March 2013. Since the dates are not released that far ahead, I have moved it three times now. It is really very easy to do.
We own DVC as well. We own at SSR and AKV. I have never used our points to cruise but a lot of people do. I find the better value is to stay on property with your points and pay cash for the cruise. But it is always an option.
I love cruising! It would be great if it works out for both of us and we can do some planning together. You are in Hamilton correct?
There are always a lot of people from Texas off the same week and there is a fun competition between us Canadians and the Texans on board. So far we out numbered them but it was really close the last trip.