We have 2 UY and have had 3. It's not that big of a deal, esp if they are different home resorts and full sized contracts. It does offer advantages of targeting different times of the year to the contract and additional spots for the wait list. Overall for most I think it's best to get them together and if one is very small, I'd say it's paramount. Also, while I don't think they'll revert, in the past banking was dependent on the total points in the contract so having them all together improved the banking options.