Im still mostly a newbie thats waiting on RoFR so i havent done the booking, banking, and borrowing yet. When u say you have 4 Memberships, is that because of different UY's ?
Of my 8 contracts, I have 3 different use years, and they end up being in 4 different memberships.
I have my adult kids with me on 6 of the contracts and I want to put my kids on the other 2 contracts, but have just never gotten around to it, in the last 5 years. Once I do that, those 2 contracts will be rolled into one of the other memberships, and I will only have to worry about 3 memberships. Then I will have 1 membership containing both Poly and AKV with a Sept Use year. 1 membership (1 contract) with BLT and a Feb Use Year and one membership (1 contract) that is also at AKV but with a March Use year.
I didn't want to wait so I just bought the best contracts I could, at the best price, and was able to match up 1 AKV contract and 2 Poly contracts in the Sept Use year. We PREFER to travel in Oct, so this is perfect. But, I have to adjust the names on the contracts to be able to get them together.
I don't find it to be a particular problem, that the other contracts are at other resorts and Use Years, because they are both around 225 to 250 points each, which gives us enough points that, with banking and borrowing, we have enough to use them 'independently' of the others.
However, I do run into things like our coming trip in October where we are staying at SSR, and I booked a room, but then my daughter came along and added some days, however she used a different membership, so we have a 2 bedroom for a bit over a week, and they can't really combine it into ONE reservation. I have talked to
DVC about this reservation and they are trying to LINK the two reservations together, since they are consecutive and in identical rooms, but, technically, we MIGHT need to check out on the 'transition' day and then check back into a new room. In the past, when we have had other, similar situations, it has not been a problem and they made it so that we DID NOT need to check out and check back in, but it COULD happen, and it WILL happen if they are not absolutely identical.
But a bigger problem, if you don't have enough points and they are spread across 2 memberships is that, in order to use them, you will most likely have to make multiple reservations, possibly with one in the 11 month window and 1 in the 7 month window, and make absolutely sure they are consecutive and in the same exact type of unit, and then HOPE that Disney won't make you 'move out and then move back in.' Because if you get the two unit types 'off' by anything different at all, such as size of unit, preferred vs standard, lock-off vs non lock-off, or anything else, then you WILL have to move out and back in. This is actually going to happen to us on our last day on a trip to AKV that we are making next week. My daughter added a day at the end, but it is in a slightly different type of unit, so we will need to check out and move rooms, just for 1 day.
This isn't a deal breaker. You can work around it, and with a bit of extra care, you can avoid this. I am teaching my daughter how to make sure to choose the right units with the right memberships. But it DOES add a bit of a potential complication, that you must then pay attention to, in order to avoid.
And this is in addition to the problem of things like - wanting to cover an extra day or two, but having not quite enough points on one membership, so then you MUST book it with two separate memberships. It would be better to have all the points in one membership, so that you aren't scrounging around, trying to find a few extra points by going to the other membership.
You could ALWAYS transfer points TO and FROM yourself, moving them from one of the memberships and into the other. But you can only do this ONCE PER YEAR. And, in addition, it doesn't change the ability to book in the 11 month window, if they are not both at the same resort anyway. So whether or not they are at the same resort, it is just a bit easier to try to get them both in the same use year and same membership anyway.
Overall, my advice is that you can always find ways to make ALL of this work, but it is just easier and less complicated to have all your contracts in the same use year and exact same names, so they are just ONE membership. And I suggest you only split the points between TWO resorts if you have more than 100 points at each.