We had a previously planned a six night Dineyland trip for end of August with reservations at the Westin and then we bought a BWV resale contract in April with a few 2022 points left. Got the points loaded June 1st and set a Studio wait list for the first and last night of the trip and then started checking the website multiple times a day looking for a room. On June 8th found a Studio for night 5 and a couple days later found a one Bedroom for night 4. On the June 18th my waitlist came through for night 6 and set a waitlist to swap the oneb edroom for a Studio (and save 26 points). That wait list came in exactly 31 days from checking so saved points can be banked.
Through stalking and waitlist we now have 3 nights in a Studio during the summer booked at less than 3 months out. It can be done without owning a VGC contract, just takes a lot of work and luck/pixie dust. Of course YMMV.