@TexasJedi what UY do you plan on selecting, when do you plan on purchasing, what resort do you plan on purchasing, and do you have an upcoming WDW trip planned?
If I was already a member, purchased right before my UY started, and already had my trips planned for the next year I would think it's an easy decision to take MB.
If I was a prospective member looking at buying a new resort that hasn't opened and won't have points until the next UY I would really want to keep the points to bank forward.
If you purchased an August, September, October, or December UY right now you would get 2023 UY points which would be sold back with MB. That means you would get the full 2024 UY allotment on either 8/1, 9/1, 10/1, or 12/1 and you could still bank those forward to the 2025 UY like you outlined in your hypothetical situation. It's too late for a June UY with MB now since you need to decide on taking MB four+ days prior to the start of the UY. I would only consider taking MB as a new member if you plan on purchasing a UY that is still getting 2023 UY points.