I see a lot of people cautioning others about having multiple use years. Does anyone see an upside to multiple use years?
Yes!! I do!

I currently have 2 UY & am in the process of adding a third. Let me qualify by saying that I do not own at the
same resort with
different UY’s... that could be quite the headache! However, having
different UY at
different resorts is something I really enjoy. First off, I travel at different times throughout the year & can leverage which contract I use to my advantage. Second, I can purchase resale without worry of finding “the right” UY! I can simply buy whichever contract works best for me and my family without feeling locked into a small block of listings... which, can be kind of a big deal to people feeling bound by their UY. Obviously, it’s a trade-off & some prefer the simplicity of having only one banking deadline to remember and never having to think about transferring points to use together at the 7-month mark. I, however, do not mind and am very happy to do the extra work (which is minimal) in order to have greater flexibility with my
DVC points
One other benefit to having the same UY is so you can more easily COMBINE points from your contracts for a single reservation. If I'm not mistaken, with different UYs, you have to transfer points in order to combine them for a reservation.
You are correct that they must be transferred in order to be combined, however, it’s super easy and you can do it multiple times per year even though the transfer rules would seem to say you can’t (there are a small handful of stories where people are told no to multiple transfers between their own contracts- but that’s where you hang up and try again, as most CM’s agree that it doesn’t “count”).
I have a question about this. Couldn’t you also just reserve some nights with one contract and the other nights with a different contract and then call member services and request not to change rooms during your stay? Is there a downside to doing it this way that I’m missing?
You can always use 2 sep contracts to make your bookings. As long as you talk to the front desk about your 2 res’s after checking in, you shouldn’t need to move rooms (I never have had to). The only thing I think you’re missing is if you’ve got 5 points unused & expiring on one contract, you’d need to actually combine more points with it to make that booking... and again, you’d just call and transfer some other (not banked or borrowed) points into that contract to work with the expiring points and complete your booking
