If you bank those points, they are stuck into the next use yr. If you decided to take a trip in say dec, you would have to borrow points from your next use yr to your current use yr. Once you bank or borrow points it’s final.
When do you do most of your trips?
That is also why you sometimes see threads “50 points for rent, must use by July 31”. The person for some reason has points that can’t be used by them. It may be they canceled a trip past their banking date.
That’s why use yr is more important than one thinks at first glance.