Frankly, I'd bite the bullet and pay cash for a room. I think your chances of getting VGC with points at any time of year for a dream stay are pretty much nil. Life is short and you have enough free cash to buy DVC, so you aren't broke. (If you luck into the reservation, you can cancel the cash stay)
Rent out your points to cover SOME of the cost (you'll have to juggle points around if you want to try for the seven month reservation - I'd do the reservation early in your use year if you are going to do that for max flexibility in renting them if using them yourself falls through). Your Mom won't know about the cash outlay (my parents were convinced we paid for six people to CRUISE with points.)
Rent out your points to cover SOME of the cost (you'll have to juggle points around if you want to try for the seven month reservation - I'd do the reservation early in your use year if you are going to do that for max flexibility in renting them if using them yourself falls through). Your Mom won't know about the cash outlay (my parents were convinced we paid for six people to CRUISE with points.)