trudis - The short answer to your question is that they will take into account the points you have coming. But it sounds like you might need some help understanding use year.
If you're up for a bit of a read/tutorial, here's some help for -
Understanding Use Year -
Use year is the month your points are renewed each year. You have one year to use the points before they expire (unless you bank them).
Use year determines your banking deadlines, but it has nothing to do with when you can make a reservation. You can always call 11 months prior to check out for a reservation at your home resort and 7 months prior to check out if you want to reserve something at a non-home resort.
Let's say you get October for your use year. Let's say you decide to buy 200 points.
On October 1, 2008 you would get 200 points to use for stays between 10/1/2008 and 9/30/2009. Those would be considered your current use year points for the 2008 use year and any vacations that occur during that time period.
If you don't plan a trip before 9/30/2009, you'll want to bank your 2008 points so that they do not expire. As long as you call before the end of May 2009 (May is the banking deadline for October use years), you can bank all 200 points. You may not bank at all in June, July, August or September if you have an October use year.
Your 2008 use year points are good for stays between 10/1/2008 and 9/30/2009.
Your 2009 use year points are good for stays between 10/1/2009 and 9/30/2010.
Your 2010 use year points are good for stays between 10/1/2010 and 9/30/2011.
Your 2011 use year points are good for stays between 10/1/2011 and 9/30/2012.
etc.
You may bank points one use year ahead and borrow from one use year ahead.
Let's say you want to stay in April of 2010 and your stay will cost 500 points. April 2010 falls within your 2009 use year (See chart above). For that reservation, you may use current use year points from the 2009 use year, any banked points originally from your 2008 use year and you may borrow points from your 2010 use year.
Banking and borrowing are final transactions. If you cancel a reservation made with banked or borrowed points, they cannot be returned to their original use year. So they would expire at the end of the current use year unless they were used before then. You may not bank or borrow the same points more than once.
Let's say you have to cancel that April 2010 vacation. You call to cancel it in February, 2010. To make that reservation, you used 200 current use year points (2009 is the current use year for that vacation), 200 banked points (from 2008) and borrowed 100 points from 2010.
After you cancel, you would have 300 points to use or lose before the end of your current use year (9/30/2010) - the 200 that were banked (originally from your 2008 use year) and the 100 that were borrowed from 2010.
If you called before the end of May, 2010, you could bank all 200 of the 2009 use year points (The following May is the banking deadline for October use years). Now those points become good for stays between 10/1/2010 and 9/30/2011. They will expire on 9/30/2011 if not used before then - you cannot bank the same points more than once.
ADVICE: If you travel about the same time of the year on a regular basis, it's best to choose a use year that falls no more than 6 or 7 months prior to that time.
Use year only matters if you have to cancel a vacation that was scheduled to occur late in your use year - because banking is limited late in the use year and you wouldn't have much time to reschedule before the points expire).
For example, let's say you scheduled the 500 point vacation for August 2010 (still in your 2009 use year) and had to cancel it in June 2010. Since it is too late to bank any of the current use year points (2009 use year), you would have to use all 500 points before the end of the use year (9/30/2010). If you don't use them, they would be forfeited and lost to you.
Many owners never have to cancel a vacation (lucky them, LOL) so they don't worry about use year. Remember, use year has nothing to do with when you may call to make a reservation.
Keep in mind that your travel pattern may change over the course of your ownership. What starts out as a "perfect" use year may end up to be not so perfect.
Hope all that helps you understand a little better how use year works.
Good luck with your decision process.