We wound up with 150 (or so) holding account points after last winter's "snowmageddon" did in our Feb trip...
In late Feb, a client asked me to give a speech in Orlando in early April...the speech was the Fri after Easter...
I called to see if I could do the weekend at BLT after the speech...had no trouble getting Thurs-Mon, and used just over 100 of my holding points for the reservation...got it on first phone call, no wait list--a BLT standard view studio...and I had choices of resorts, too...
Still have 46 holding points to use...have a trip in August; thought next month I might try to switch the borrowed points I used for that reservation for the remaining holding account points...won't know til I hit the 60-day mark whether I can do it...but it's a time of year when availability is best, so I have some hope...
If that doesn't work, I have T-giving reservations...in late Sept I can try switching points again, altho I have essentially no hope for that, given that it's T-giving week...chances of availability are slim! But, we have a one-bedroom at SSR, so maybe I can switch out one or two of the early-in-week (Sun-Mon?) days?
My last possibility is to book a few days in Jan--my use year is Feb--(obviously can't do that til November, due to the 60-day restriction)...
I'm feeling relatively lucky that I got to use 104 of my holding points, though, especially in April, right after Easter...
FWIW: Last year, not using holding points, I did a very last-minute 5-day reservation (one-bedroom at BCV) during spring break week...it took lots of phone calls, lots of clearing-up-the-mess afterwards (MS totally messed up the completed reservation and blamed it on me for having made so many changes...I started by booking OKW (a day here and a day there) and then over the course of about 3 weeks adding my missing days and switching over to BCV...probably a total of 6 changes over the course of the 3 weeks)...but it happened and it was a great trip--and eventually I got things sorted out w/MS...
Since the key to using holding points (I think) is finding availability only 60 days from check-in, probably the experience w/spring break last year will be helpful for you to know, even tho they weren't holding points...
Good luck to you...