I was never concerned with my UY (March). We always traveled in August, and would call to bank the remainder of our points while we were on vacation. It was a reminder for us. However, this year we had a pretty disasterous trip (heat, humidity, and family) in August, and DH swore a) to never go in August again, and b) we need to take the kids in February to make up for the trip. So, I called to make my Feb reservation with my screaming 3yo DD running around the house. I was in a rush to make the reservation, and was only half listening to the CM. It turns out that since we had used our 05 points in August, I had to borrow 06 points for Feb. Since our UY is March, if anything happens and I have to cancel the trip, the points are essentially lost. I can't put borrowed points back into the UY. Now, I know this doesn't happen in all scenarios, but unless we change vacation patterns again, or horror of horrors.....skip a year

....we're always one sick kid or natural disaster away from losing a vacations worth of points. I guess we're the people
travel insurance was made for! Anyway, I guess what I'm trying to say is that you don't want your UY for the month AFTER you usually vacation.