I think what you are saying is that you could go in any particular year at any time except Sep, May or June. In that case, I would not even worry about what use year you get. It has nothing to do with when you can go (any time of year) or when you make a ressie (always up to 11 months in advance at home resort, 7 months at others). It only makes a difference for the risk of cancellation. Under banking rules, if you are going to bank all your points you must do so by the end of the 6th month of your use year. Thus, some who go only during the same time every year avoid missing that banking date due to a cancellation if they have a use year that begins any month up to 6 months before the usual trip month, e.g., if they cancel two months or so before a trip they can still bank all the points. For anyone who is likely to go at different times every year, trying to factor in the cancellation risk to choice of use year is pointless.