You do need your points to be available, if you are booking April 2023 and you 100 points you could use your 2022 banked points and your 2023 points (February UY) if the reservation is up to 200 points. If it is up to 250 points, you vacant borrow during the booking process 50 of your 2024 points.
If you book using your 200 points and at 7 months you need the one-time extra points, you need to call to book and buy the points.
To make sure I understand:
When I am booking, if I am going to use banked points, it will āreserveā using those banked points. But it wonāt actually bank them. I have to do that later / separately. Correct?
Banking means you have the points now and youāll use them later
So if I had December 2021 points (and it was not yet July 31) and I wanted to use them for a Jan 2023 booking I would make the booking and it would effectively bank them. I donāt think youād have to go back later and bank them because theyāre already being used in that way?
Where is @Nicky_S 
This stuff gets kind of weedy
No! Sorry! You need to bank them before you book!
For example, I have an August UY. I booked a night at CC in January for December 2022. I had to bank the points I wanted to use for that stay before I booked even though my banking deadline is end of March.
If you mess it up MS can (think) reallocate the the points that you forgot to bank but bank first!
Looks like itās been sorted out.
You do need to bank points that youāre going to need to make a reservation before you book. If you need to borrow you can do that at the time of booking.
One time use points can only be bought at the 7 month mark, and you need to call to buy them. You cannot just buy them though to use later. You need to actually book a reservation when you buy them.
And you cannot bank or borrow one time use points.
MS can apply one time use points to an existing booking as long as it was made within the 7 month mark. That would be done by calling. You might want to do that if you were in danger of losing them after cancelling the reservation youād booked with them, for example.
If you want to reallocate your points, for example to use recently banked points in place of current points, you can do that yourself. Modify the reservation, donāt change anything at all and complete the modification. The system should re-allocate the points automatically.
And a heads up, I donāt know about what happens if you have multiple contracts. I know you have to select which contract to take points from when booking, I think that has to be done at the start of the process. Thatās all Iāve managed to understand!
Thatās a bit of an understatement! But thank you! I think I get it now.
Thankfully Iām fairly certain in my plan of what Iām using my points for. Very low risk of needing points that Iām banking. And Iām totally fine booking cash / renting if I have a change of plans.
Now I am confused. Nevermind- I get it now.
I donāt know, I just did simple math. Iāve wondered about selling our contract one year instead of banking.
@PrincipalTinker do you have a link to that calendar that shows how far in advance various resorts / room types sell out vs. have availability? Not the one with actual availability at the current moment. You know which one Iām talking about?
Edit: Never mind, I found it. I even had it bookmarked. 
https://www.dvchelp.com/page/boardwalk-villas-availability-charts
Really all of this is entirely too complicated. Do like we do and always have 4 trips on the books
I like this idea, but how does it solve the problem of the system being too complicated? 
Ask as many questions as you can think of! The other option is ālearning by your mistakesā and that s****.
This definitely made it more complicated for me.
Because of the 7 month competitiveness, when I needed to bank and buy 1 time use points for my stay, I did it for a fake reservation before the 7 month mark and then canceled the reservation so the points would be ready for me.
Then I went back and pretend modified my other reservations (i.e. tell the system you want to modify but donāt change anything) starting with the reservation that was happening the soonest. That reshuffles the points to use the ones that are expiring the soonest.
Lol fell and broke my hip & pelvis - right before our 2015 run disney tripā¦
I didnāt run lol but sure as %^* I left the rehab hospital and was on a plan within 48 hours
So (Iām sure that Iām getting this wrong but) does DVC facilitate taking a trip every third year?
For example:
2023 - join DVC, bank points to 2024
2024 - use banked 2023, 2024 and borrow 2025 points
2025 - points were used in 2024
2026 - bank points to 2027
2027 - use banked 2026, 2027 and borrow 2028 points
repeatā¦
Yes, this usually works. Right now, you can only borrow 50% of your points. That was supposed to be a temporary restriction until they could get through the Covid blip, but I havenāt heard of when it will sunset.
Maybe @Nicky_S knows?
With the borrowing rule still in place, probably the best you can do, realistically, is every 2 years (with a bit of leeway, depending when in your use year you book).
We have our trips planning out, and it is āaveragingā about every 18 months that weāll be going. (We could do more frequently if we either stayed fewer nights, or stayed in a studio.)
One additional thought, even if you could borrow ALL your points, is that it will be hard to get a trip that fully utilizes ALL of your points you have available exactly. Youāll probably end up leaving some points on the table (not a lot, but some). You will end up losing those points, if thatās the case, unless you bank them and still book something the FOLLOWING year that can use themā¦which also puts you back at the 2 year interval.
If you donāt mind losing a few points, then the 3 year thing (once the 50% limit is dropped) becomes possible.
YAY!
I think your math is working correctly. But as @Jeff_AZ says right now thereās the 50% borrowing rule to consider.
But YAY!
Yes, thatās what we planned for.
Slightly scuppered by the borrowing rule, as @Jeff_AZ said.
In the event we havenāt even managed that. 4 years between trips 1&2, and now 6 years. But we did rent our points out and paid for the maintenance fees each year and for a couple of years ahead too.
No idea when the borrowing restriction will end though. My guess is sometime early next year for booking Fall / Winter 2023/24. When demand and booking patterns start to return to normal.