So my wife and I are just regular resale owners (259k points), and this points deposit feature...well, I'll be blunt, it sucks.
I can understand them wanting to eliminate the capability of bring reservations forward into this use year. But now, instead of having to plan vacations 10 months in advance, I must plan several years in advance so I know what year I want to move my points to. For example, if we want to take a big family vacation two years from now, but there is no guarantee that it will actually happen, I have to move my points into two years from now's use year, and then hope for the best. At least with the credit pool option, I could be flexible and use them how I saw fit over the next few years.
The BS piece of this is that if they wanted to kill megarenting, all they had to do was eliminate the speculative reservations without making any changes to the credit pool. But they took a multi-faceted approach and hurt all their owners - developer owners, resale owners - everyone.
They made their product less valuable today.