Too much work for me. Having 2 UY is like having 2 checking accounts. Having both homes in the same UY under the same contract is like having a checking account and savings account under one account number. It's easy to combine points all under the same UY and contract, while having 2 separate contracts, you are only allowed one transfer a UY. I have one membership, but 7 contracts under my 1 account, with 3 homes. It takes some recording keeping with using my contracts while under one UY, but that is making sure MS doesn't touch one home points vs another home points. The computer will take points and not care, but if you're saving one home points for another trip, you have to make sure you tell MS that. I think I'm pretty organized, but I do use a chart to keep things straight. I have an April UY and it fits me well. Good luck in your decision.