I wouldn't be so concerned. First, when you bank points (or borrow points), you are simply moving them from one year into another. Once moved, they act just like all the other points for that year. For example, if you have a 200 point contract, and in 2000 banked 100 points into 2001, then for 2001 you have 300 points to spend. There is absolutely no difference between the 100 points you banked and the 200 points you get for the year.
The co-worker who stated you have to use banked points on a day-to-day basis is absolutely WRONG. (The ONLY thing I can think of that the co-worker might be confused on is if you CANCEL a reservation at less than 30 days, then those reservation points go into a HOLDING account (they're not banked)and have strict guidelines on their usage. At a very busy time of year, you might have trouble using them. This is where your USE YEAR is important so that those HELD points could more easily be used during an off-season time of year.) If you suspect that you would have to cancel reservations on a regular basis, at short notice, then you would need to be particularily aware of how the holding account works. Note, if you cancel <u>prior</u> to 30 days, there's no problems at all.
2nd. If you want a reservation at the absolutely most busy times of the year, then many people CHOOSE to call on a day by day basis to ensure the reservation. At most this probably only covers about 2-3 weeks of the year: Christmas, New Years, Easter. And usually those who call day-by-day are looking for the hardest to get accommodations, EG standard view studio at BWV. If you're after the more available units, EG 1/BR at OKW you should call at the 11 month window, but day-by-day shouldn't be necessary.
3rd. For the rest of the year, like any reservation for anything, the farther you call ahead the more likely your requested unit will be available. If you call at 11 months then everything is available to you. If you tried to get a unit 1-week ahead of time during the busy summer months, you'll have trouble.
In checking my records, in 8 years I've made 33 reservations. On 3 of those I called day-by-day to ensure I got what I wanted for New Year's Eve. Also, for all 3 of those times, it turned out I could have waited and made just 1-call each at the end and still have gotten the reservations. But I chose to call just to be sure. On only one occassion was I unable to get a reservation I wanted (I called 1-month ahead, wanted 5-days, only 4 were available....I took the 4). On the other 29 reservation requests, ALL were available.
It all depends on your own circumstances. How far you call ahead, and what accommodations you want, and what time of year. These are what make the difference.
Please post back if you have any further questions.
Caskbill