We have 1 membership with Aug UY and ownership includes adult kids. We have another membership with Aug UY and 2 home resorts with just DH and I. And we have a third membership with Dec UY and 2 home resorts with just DH and I. I only have one log in even though different ownership since same name on all memberships. When our son turns 18 next year, he will be added to membership 1 and we may change ownership on the other 4 properties to a trust. It will be interesting (ha ha) to see if that messes up my access.
Intend to use the memberships independently (fall and spring) and will only transfer points when needed. I will typically be booking in the home resort window so combining points isn’t an issue unless I decide to switch at 7 months. And we like split stays when it’s just the two of us to minimize bus only transportation.
And yes, I have a spreadsheet to track all the points used, banked, borrowed, and transferred for each resort and UY. But I love the planning and do not like orphaned points as I intend to use every one that we purchased.