Okay, I'm still having trouble visualizing this. Here's our situation: We vacation in Nov-Dec-or Jan (we don't like hot weather). However, since we live in hurricane country (northwest Florida), if we have a reservation for one of those months, and we get a bad hurricane in Aug, Sep or early Oct, then I want to be able to bank our points if we have to change our plans.
So, what would be a good use year for us?
Sorry, I've got one of those brains that freezes at a simple math problem.

Thanks for any suggestions.