This trip was already booked before I bought DVC. My use year is Oct and the contract I bought actually had 2010 point with it. As I was scrambling to close in early Sept. I kept thinking the points would have to be used. I called before I had my member number I was calling MS and with F&W and the Half and 5K and the 40th.... there were no DVC rooms to be had.

For what I had heard, the rules were I HAD to use the point before they expired since the banking window had passed BUT depending on who I got and when I actually closed I could beg for a late banking and MAYBE get it.
Luckily once a MS-CM could see my contract she immediately offered to bank my point and even without thinking I said YES.
Reality was that I had such a killer pin code that I was reluctant to give it up .

That coupled with needing transportation to the 5K, I was limited on DVC to BC, BW ( not going to happen with F&W) and OKW.
My room ended up being anywhere from $55 to $68 depending on the day of the week (Tu,W, Th being the cheapest F, SA the most expensive and SU being on Oct a different "season")
Since I was able to bank, I had points to burn for the NYE trip so the first 3 days use up the banked points and I still have 47 left in the current year.
Now do I bank or take a F&G trip?