A February UY would mean that your banking deadline is September 30. Based on the times you would travel, this would be ideal for you. Even an October trip would be OK if you canceled 31 days in advance.
Say you plan a trip for October 16. Then, you need to cancel it MORE than 30 days out. You would still be able to bank those points and extend them for another year (assuming they weren't banked points to begin with). Also, if you had to cancel LESS than 30 days out, the points would go into holding and you would still have until January 31 to use them. The downside of that is you have some "peak"
DVC time (Nov-Jan) to try and find a room on short notice.
UY really only comes into play if you have to cancel a reservation. Otherwise, it simply determines when your points renew each year and when your banking deadline is. For most people, it is relatively irrelevant

.
We have a Feb UY since we plan on travelling in April and June for at least the next 15 years (while the kids are in school). Once we're empty-nesters, our preferred vacation times are February and October so it works out perfect. We bought resale and we were more interested in the home resort, cost per point and size of contract than we were with UY. It turned out that February is exactly what we needed.