For many years, I have had two use years, one with BWV points and one with both BWV and AKV points. Have not found it to be as complex as some have mentioned that it is. There are some rules or practices to be aware of:
Our deeds have the same named owners, which assures they will be in the same online DVC account, and thus one can keep track of both and use points from both using the same online account. The different use years means you have two different member numbers, each shown separately in the online account, which leads to the following:
1. You will have two different annual dues bills and each needs to be paid separately. If you have automatic monthly withdrawal from your checking account to pay dues, you can set it up to have one withdrawal at the beginning of the month and one in the middle, or both at the same time, The exception to that is that your first monthly payment every year occurs mid-Jan regardless of designated times of withdrawal.
2. Each use year has its own eighth-month-out date by which to bank points, which you need to keep track of.
3. Though both use years appear in the same DVC online account, the points from one use year cannot be combined with points from another use year to make one reservation, unless you first transfer points from one use year to another. For those who prefer using a transfer, be aware that, despite the one-transfer-per-use-year rule, DVC generally allows multiple transfers per use year for an owner who is transferring points from one of his use years to another of his use years.
4. The alternative to doing a transfer is to make two separate reservations, using one use year for the beginning of the trip and the other use year for the end, and then contact MS (by phone, chat or email) to "link" the two reservations. Linking assures you will not have to change rooms during the vacation despite having two separate reservations. Be aware that each of the reservations you make is subject to its own 11/7-month-out beginning date. Moreover, if you believe you may need to modify the dates of either reservation, or if you intend to change one of the reservations made in the 11-month window to switch to a different room category or resort at 7-months out, you should not link the reservations before attempting any such changes, because once the two reservations are linked modifications to either of the reservations cannot be made without first contacting MS to have it unlink the reservations. Moreover, both reservations need the same lead name on them to link them.
5. Note that having two use years gives you the ability to use two different One-Time-Use-Points additions, e.g., in the example above, where you link two reservations for one trip, you can purchase up to 24 points in relation to each use year used to reserve your trip, giving you the potential to get up to 48 OTUPs total for the trip.
6. Keep an accurate record of the points used in any existing reservation. The DVC system will easily show reservations used for each use year separately, but makes it difficult in allowing you to be able to easily see the status of particular points in the reservation, e.g. how many points are already banked or borrowed points in the reservation, or which resort they come from if more than one. One should always create a separate record of the actual points used in the reservation (particularly total from each resort and total that are regular use year, banked, borrowed, transferred, or OTUPs).
7. Also, be aware that having two use years means that when DVC puts out total member numbers, such as total number of members that own a particular resort (generally included in the POS given to new purchasers) that you are being counted twice and thus the totals given do not actually add up to the overall total number of DVC members.