I usually bank some points each year (maybe up to 50). I have a December and February use years totaling 425 points. I banked all 100 Feb 2020 points to 2021 and about 275-300 on the December 2019 UY points. I also had a hard time using up some banked points since I did not want to travel last fall (and VGC was (and is still) not open). I gifts 24 banked points to a friend, got 10 VGC banked points extended to use this March (due to closure), and lost 2 points (although those were weirdly extended to Feb, but should be gone now). And then 12 banked Feb were lost as of this week. My March trip will use up a lot of the banked points and my September trip I am going with a 1 bedroom for 2 of us to use up a lot more. I will still be banking a lot more come July (especially if VGC is still not open all of those will be banked plus many of my SSR ones).