We are in the same predicament but DH does not want to transfer resorts mid trip. We are looking at Feb. 2022. We really like staying on Disney property and renting points at DVC. We want to stay at OKW for something new and we like going to DS for dinner. We were thinking of taking Uber to Universal on 3 different days..we did this in 2020 with Sea World while staying at SSR and it worked out well. But now everyone is talking about the ease of staying on property at Universal (I have never done Universal) so I'm torn. DD really wants to stay on Disney property, too! Decisions!