Since you did not mention borrowing points, note that when you call in Nov 2011, 11 months out, to make that Oct 2012 reservation, you can bank your Sep 2011 points and use those, use the Sep 2012 points, and borrow the Sep 2013 points. Thus, you might want to consider borrowing 2013 points before doing a rental.
You can rent from Disney up to 24 points but you can only do that when reserving 7 months or less out.
As noted, your other options are to get points transfered to your account or have someone else make a reservation using their points for some of the days you will be there and then have the reservation you make using your own points linked with that one.