Purchasing a fixed week question

[jerseyduke]

I have been wondering what happens if you buy a set number of points for a fixed week (say a 1br standard view at Thanksgiving) based on the initial point chart, but then Disney changes the point chart to make your fixed week a few points more or less. (My understanding is that the total point chart value cannot change but they can reallocate to make (for example) a weekday night cheaper and the weekend more expensive for a certain room type.)

Also, what if you do not use the fixed week one year. Can you still bank and borrow as normal?

AFAIK, if your week/accommodation combination is 200 points, you buy 220 (+10 percent) to cover your scenario. If you cancel, 220 points go into your account. I would imagine you could borrow from the next year (cancelling your week), but I am not sure.

The only difference is the premium you pay (the extra 10 percent) and the fact that your reservation is guaranteed unless you change it.