I also have found that our use year is important, and we take several trips per year. We have Feb and March use years, and found that very inconvenient for a December trip, especially if we have to cancel or cut the trip down in size. We bought an August contract specifically for our Christmas trips, and it's always in a borrowing mode, due to the high points needed at that time. Still, if I cancel, I can always use the points at spring break or in the summer. Using the Feb or March contracts means that the points couldn't be used if I had to cancel.