We are new to DVC, awaiting word re: ROFR. I'm starting to think about how we'd like to use our points in the next few years (assuming our contract goes through). My question is if there is a year that we don't have quite enough pts (with banking and borrowing), I understand that we can trade with/transfer from another member. However, would I have to have those pts in my account before I go to make a reservation? If so, what happens if the reservation for which I needed the pts is not available? Is that just a risk you take when you buy pts from another member instead of Disney?