Thanks. I know that I would be using banked points regardless. Just saying that if I wait to make the Aulani reservation at 7mo, then I would probably wait to bank my points until May 31, just in case. If I make the Riv reservation first at 11mo (which would be just a few days from now), I would [obviously] bank the points at the time of reservation, a month and change before my banking deadline.
This thread is turning in circles, which is something I have a knack for, just ask my spouse.
Let me put it another way: Who here would make a “just in case” 11mo home resort reservation at WDW, even if they knew their desired plan was to go to Aulani instead? Would anything about that (or its opposite scenario) give you pause?