I wouldn't count on it......

Yes, it actually did make a difference. When I had to change to SSR it was higher points and to get the whole trip I was actually 5 points over what I had, so I had to borrow 5 points from 2012. Once you borrow, you can't undo it by rule. That meant that when June 2012 rolled around I would only have 195 of my 200 points to use for a trip. When I changed the DVC part of my reservation and shortened it by two days, I saved 66 points which were returned to my 2011 account, which I can now "bank" into 2012 and have 261 points available to use in 2012 instead of 195. If I had been within 30 days or less of my trip and done the same thing, the 66 points would have gone into a "holding" account, which means I would not be able to bank them into 2012 and would instead have to use them by May 31, 2012 on another trip (which probably isn't going to happen, or at least leaves very few options with only 66 points) or LOSE them altogether (unless I tried to dispose of them on the rent/sell board. Clear as mud now???