I have three separate bookings as I was piece mealing it together from the start, so our last day can definitely be cancelled. We are cutting our visit by three days so only two days of points will go to holding if they don't allow me to cancel without penalty. Our visit ran to checkout on Nov 5th. trying to cancel Nov 2-5. If I can't cancel, I'll just stay through the 4th - since I know I can still cancel the last night.
The first part of our stay is standard view and the last three nights are Boardwalk view. I wish it were the other way around!