There is one other time it could matter and I hope it never happens to anyone! If the Unit you own is destroyed Disney can opt not to rebuild it. Say for example if a building at SSR was destroyed by fire or a beach cottage at VB is swept out to sea during a hurricane, Disney has the option to pay the owners of the Units that make up that building the proceeds from the insurance rather than rebuild. Those owners would no longer own points at that resort if that was their only contract there.