I agree with others that Oct UY works very well for November and January trips.
Traveling at the beginning of a UY gives you the most flexibliity if you have to cancel or change a trip since you have 8 months to bank points if they will go unused.
Plus, if you plan a trip with borrowed points, and then have to cancel, you still have a lot of time to reschedule a trip with those points (since borrowed points can not be returned).
We have a June UY since we travel mostly in August right now. And, once we retire, it will be fall trips for the most part.
Good luck!