Years are sketched in advance so that we can plan big years with Annual Passes and then years off, plus inviting friends along who may need years in advance to plan.
For example, we are ending an AP year in January 2025. That will be our only trip in that use year, banking about half our points into the next. The next AP year will be September or October 2026-September 2027, with three trips planned. That will give us 2 years of points for those three trips, plus half a year banked, plus a year available to borrow. We have a minimal amount of points, but boy does it feel like a lot of points for that binge year, especially given the September and January
point charts.