This is the way we've traveled since buying
DVC 10 years ago. We get an annual pass, and book two lengthy trips slightly less than 1 year apart. We also usually take a long weekend trip or two, depending on our points and schedule.
I don't have a concrete methodology, other than I bank and borrow. You have to be aware of your points and use year but in the end it's not hard. I sometimes have to purchase some one time use points.
This lastest effort was a little different, given quarantine. We went for a long trip in August 2019, two nights in November, and then for a week in February. This used all of 2019 points (plus some that was banked) and 2020, plus some borrowed from 2021. We decided to borrow a bit more and go for a few nights in August before our APs would expire. Of course, quarantine/closure pushed the end date of those passes out to December, so we rebooked that August trip for December.
2021, if there are vacations will be other vacations, including a trip to Turkey and to Amsterdam. We will have to wait until 2022 to get enough points for a big trip again, we'll push that out as far as possible to use the banked 2021 late in our 2022 year. If we'd done it as planned originally, it would be two years between trips.
We also have a small BWV contract, that we use for FWF. We bank those too, using them on years we have annual pass.
Really, you just have to stay on top of your points. I think I've lost points in the past, but never more than 1 or 2.