Again a personal decision

I liked knowing no matter what in the months leading up to decision on condo association was released, I would be able to book the Polynesian tower one way or another at 7 months. If we didn't like RIV we probably wouldn't have as many direct points as we do. We also want more direct points just so we can use them at 7 months at RIV as well
It matters IF you tend to go to Disney World during the same time each year. You want your use year to start a little bit before when you travel most often so that way if you cancel a trip, you'll have ample time to plan another trip where you can use those points. The WORST thing you can do is if your use year starts immediately after when you normally go because it means you will only have a month or two (if that) to plan a trip when there's essentially nothing left to be booked. If you go during all season, use year doesn't matter.
Use year has nothing to do with booking at 11 months, it has EVERYTHING to do with when your points need to be banked by and when they will expire that year. Having the correct use year is basically free insurance.
Just as an example lets say I like going July 4th every year.
If I have an August use year and cancel my trip in May, I only have from May until 7/31/24 to use the points. I am past my banking deadline which was on 3/31 so I can't bank them either.
If I instead had a June (a little bit before when I usually go) use year and cancelled my trip in May, I have until June of 5/30/2025 to use my points. I essentially have an entire year to use my points and still have the option to bank them on 1/31/25 to move them into the following use year.