That's very interesting. Thanks for passing on your experience.
I got my information from talking on the phone with a high level DRI reservations person (a couple of levels above the people who answer the phone when you call in to the reservations center), when I was having trouble booking using my deeded week assigned to the club. I was trying to figure out how everything, worked and I'm passing on my recollection of what she told me.
Your narrative suggests that my memory might be faulty. When I get a chance I will peruse the usage rules - which is probably what I should have done in the first place.
It may not be a faulty memory. ;-) I think this rule may have changed at some point over the last few years. In August 2013 I asked in the DRI member forum whether saved points have the 13 month booking priority. They said no. Last night I asked the same question in the DRI facebook page and they said saved points do get the 13 month advantage.
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DRI Member Forum (08.20.2013)
Q: Does the 13 month rule for booking a reservation in a home collection apply to saved points and borrowed points? For example, if I have 4000 annual points and borrow the up coming years' points, can I make a reservation that requires up to 8000 points 13 months before the travel date? Similarly, if my account has 4000 saved point plus 4000 annual points, can I make a 8000 points reservation 13 months out.
A: The 13 month Home Club Advantage rule only applies towards allocated points from your original purchased contract, and does not include saved points or points allocated through other means (ie. Club Select deposited points, Diamond Dream Holidays, etc...). In your case above, you may use 4,000 points during the Home Club Advantage period (13-10 months prior to arrival), and 8,000 points during the standard booking reservation period (10 months and sooner).
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DRI Facebook Page April 1, 2016
Q: Does the 13 month Home Collection Priority apply to saved points? For example, if my account has 4000 saved point plus 4000 annual points, can I make a 8000 points reservation 13 months out? I understand that the resort must be in my home collection.
A: ... Yes you can use saved points to book. However, it would depend when you are trying to book.
So just an example to show you, if you were trying to book for May 2017, you would need the points to be in 2017, so you could potentially use your 2017 allocation plus any 2016 points you have saved in to 2017.