I have this belief that resale contracts are cheaper anywhere from Jan to April. Yes, people have often paid their dues by Mar/Apr but they are also likelier to make the case that they should be reimbursed for that UY's dues in the early part of the calendar year so may be more flexible on the per point cost. Plus, those that aren't necessarily using their contracts much have banked their points so paying the dues bill is just a reminder that they aren't using their contracts and should therefore sell them to some poor schmuck, such as me.
As of now I'm planning late Oct 2025 for my birthday & Halloween (and my DLR friends first trip to WDW).
2-3 nights AKV (2 Savanna Studios) > 3 nights BWV 2Bdrm > 3 nights BLT Studios (probably one lake & one standard)