This question comes up often. I have been a member for many years. My friend has a December UY - she has owned
DVC also 22 plus years. We have booked DVC and cruises together many times. When we get into a conversation of booking a trip or cruise together - her use of points/banking/borrowing with a December UY sounds so confusing to me. I think it would take me a few trips to get used to it.
I would have to give it some extra thinking myself. You will get it once you have/use it a few years - or it might click with you right away.
Did you go through ROFR? Happy planning and enjoy it!