MS does not charge a fee to transfer points between member accounts.
Transferred points retain their original home resort and UY so if you want more points to use at the 11-month window, the points must be for the resort you want to book. For example, if you wanted to book BCV at the 11-month window, you need to transfer in BCV points. If you will be using the points to book 7 months or less from check in then any points will do.