The mathematics of saving points.
You can do BOTH point type (Resale and Developer) deposits at the same time, provided the rules and timing allow you to do so. For RESALE points you must do it within the first 3 months of the use year. But apparently you should be able to elect to do multiple conversion types for the same online $39 fee. If you don't deposit them at the same time (which I likely won't) then you will have to pay separately for each deposit when requested. For VIPP that have until the end of the use year, that just means doing it twice for most of us.
So THIS year with the rule change midyear, VIPs can still deposit Resale points that are past the 3 month rule, but it must be by Phone (844-991-0921). If you have a different use year you, you may be able to do it online.
But at what point does it make sense to save points.
On line the fee is $39 per transactions , over the phone $49. Renting points is $12/K so DON'T bother saving your points if you can rent the amount of points remaining for less money than the cost of saving the points.
So at $39 online, If you have MORE than 3250 points and you think you could use them then save them, otherwise just leave them, IF you even need them then rent them instead. At $49 calling, If you have MORE than 4083 then save them, otherwise forget it.
Saving only makes sense if you have enough points to make use of it. I will have 75K Resale and not sure exactly how much Developer, depends on what I pick up, rebook or cancel before the end of the year. I moved the 75K today and I am making a 4 BR PH booking for SRP opening tomorrow. That likely will not end up available during the discount window, so planning on burning all my available Resale points on that transaction.