I going to add a new aspect of UY. We have always talked about having a UY in which your typical travel will be in the first 8 months,
When you don’t, then you risk having points expire if you have to change or cancel a trip, Most thought of this as the owner canceling, and not about resort closures,
What we now see happening is how risky it really is because your trip could be canceled through no fault of your own,
There is no guarantee that the rules of late banking would be allowed.
So, as mentioned, it is prudent to travel toward the beginning of the UY. It won’t cover all of the year, but if you have a few specific times, it’s a good idea,
When I bought, summer was my typical travel time as I was a teacher. I also knew, fall and winter break would be the back up. So, I bought a June UY because March, April and May were pretty slim months I would go,,
Of course, about 5 years in, i began wanting to go Memorial Day weekend, which is horrible for June UY, so I bought another contract with a Dec UY, even though it meant a 2nd membership.
I wanted to insulate myself from ever being stuck not having time to bank or to use up banked points before they expired