Not all 128 points are transferrable as some are banked points and cannot be transferred. If it is Beach Club you have set your heart on, most owners would advise you to book before the 7-month window opens up as this is a super popular resort due to Stormalong Bay (not just a pool but a system of lazy rivers) and its proximity to Epcot, which always has some kind of festival going on. May would be Int'l Flower & Garden Festival. Also if you want points for 7-month booking, I should not drive business away

but I would advise you to get your transfer points from other owners (e.g. SSR owner) who don't charge the Beach Club premium so you can pay $18 per point or lower instead of $20 since at 7-month window, it doesn't matter where the points are coming from. After you can send private messages, I can provide more insights to your particular situation if you'd like.