hi jaysue.
try to remember that Use Year will only matter if you are likely to need to cancel your ressies last minute and still want to bank your points.
otherwise, it really shouldn't matter which Use Year you get.
if you know you are likely to cancel your trips last minute, then you need to ask yourself:
of the 3 times your DW gets vacations, which 2 are most likely to be used for WDW trips?
if you like to escape the cold, then a December UY is best.
that should cover your Dec and Mar trips best. you'll be able to bank 100% of your points up until the end of May, 50% of your points up until the end of Aug, and 25% of your points up until the end of Sep. you'll only have 50% banking coverage for your Summer trips here.
if Spring and Summer trips are more important, then a March UY is best.
that should cover your Mar, Jul, & Aug trips best. you'll be able to bank 100% of your points up until the end of Aug, 50% of your points up until the end of Nov, and 25% of your points up until the end of Dec. you'll only have 50% banking coverage for your Xmas trips here... and possibly only 25% coverage for early January dates, it depends on if your Xmas ressie is one continuous ressie.
if Summer and Xmas are the preferred WDW times, then a June UY is best.
that should cover your Jul, Aug, & Dec trips best. you'll be able to bank 100% of your points up until the end of Nov, 50% of your points up until the end of Feb, and 25% of your points up until the end of Mar. you'll only have 50% banking coverage for your Mar trips here, and possibly only 50% coverage as well for any Jan dates at the end of your Xmas trips, it depends on if your Xmas ressie is one continuous ressie.
please also remember, to take advantage of banking even if you make a last minute cancellation, you must cancel outside of the 31day window before your check-in, otherwise you won't be able to bank those points.
HTH!