If you rent a reservation from another member, they fully control the reservation until you check in. It sounds like you are thinking about getting another member to transfer points into your account. You can do a transfer (either in or out) once a year.
At 7 months all points are equal. But if you want to make a reservation at 11 months at your home resort, you'll need to have points transferred in that match your resort. Another member cannot transfer banked points, only current points. But you can bank those points once they hit your account. The points transferred into your account retain their home resort and use year.