I have a similar question. I have a June YR with a reservation over 4th of July week. It is looking like the parks will be open in some capacity, and quite possibly the resorts. We are trying to decide what the most prudent course of action would be. My understanding is that the 40 points I have banked from 2019 into 2020, if the resorts are open, would not be good for use from June 1 2021 on. So if we booked a reservation for mid-July 2021, we would be losing those 40 points? But the 100 2020 points we used on that reservation could be banked for use in 2021? And the 5 we borrowed from 2021- able to be banked with the 2020 points, revert back to 2021, or be lost completely as well?
I'm not complaining about whatever happens, I just want to be sure I understand the options! Also, all of this is predicated on us cancelling prior to 30 days out OR Disney cancelling the reservation, right? If the resorts are open and we decide to cancel within 30 days, under the current policy they would go into holding and need to all be used by the end of the current (2020?) use year?