I'm thinking of buying points in 2 resorts, and alternating resorts, through banking/borrowing. I just can't decide which use year to chose. I see options in February, June, and December. We hope to usually go for Christmas, in the early part of December (the least number of points.). However, we could see ourselves sometimes going from mid-June to mid-August. And perhaps, in the spring. I don't think we'd ever go in September & October, because of school/activity start-ups. I know the concern for UY is cancellation, and the ability to reuse those points, since they can't be banked or transferred, and expire at the end of the UY. And with those points from a cancellation, you can only make a reservation 30 days out, so you'll likely end up at SSR. So, in order of best to worst choice, what UY should I chose between February, June and December? Thank you!!!