I have several engineering degrees and still managed to screw up planning and calculating points available with our contracts with 2 different use years. Although we have the added complication that we have 2 different resorts as well. It's confusing sometimes! I invited the whole family on a trip only to realise we didn't have the points I thought we had. Ugh! If you have patience and time available, I would hold out for a contract with your current use year and save yourself some future headaches.