We bought DVC in October 2024 after just completing a September 2024 trip. We won't be back until March 2026 for a birthday. but we are planning for a nice WDW 4-day trip at Poly (our home resort) before jetsetting off to Aulani for 6-nights in May 2026 with the in-laws. It's going to take 3-years worth of points off the bat (gotta love bank and borrow), so we likely won't be back to WDW until October 2027. I doubt we want to get into an "always borrowing" situation by going sometime between Oct 2026 - Sep 2027, and we bought an Oct UY so we could always "kick off" our Disney season for MNSSHP.