Now that I have more time I'd like to expand on this. Obviously if one travels some of the times mentioned more than others, that will change the choices. Also, if one almost exclusive works with current UY points, the banking window is the more important issue but if one is working with a significant volume of banked/borrowed points, banking is far less important and length of time to reuse or rent is more important. The other variable is what will one do if they had to cancel, rent or rebook for the next UY. In another thread the OP seemed to be looking at smallish contracts and possibly multiple small contracts at more than one resort. To me this suggests banking/borrowing are a major part of the plan hence in part the reason for my thoughts.