I am a poly owner with an Oct user year. If I buy direct points by the end of September will I also get 2020 UY points since we're still in that use year? (and will I also owe maintenance fees on the 2020 points?) .... Where to buy... should I keep it simple and add more poly points? or add an Epcot area resort since I'd really like home resort advantage there... at Riviera OR Boardwalk (Riviera is cheaper with a longer contract but the points charts are better at Boardwalk). Thanks!