Suggest you save the 2025 points into 2026 pronto (the rates go up, as the year goes on, for saving points into next year), if intent is to use 2025 pts for 2026 bookings...
Enjoy your vacays with your loved ones!
May add, we are currently at Bay Club/Kohala Suites/Kings Land: park right next to your unit/Bldg; free parking; free shuttle to HWV. So, don't write off HWV TS's just due to your ocean tower experience. Thankfully, you will all of these options, to choose, always, with HGVC, which the beauty of HGVC TS system.
MCO is very easy to get/access; CO (Breck) is a smaller property. Summer in Breck costs more points than Park City, which you may also consider (if planning a mountain resort getaway for summer). Both are very nice; PC was just renovated this year while Breck needs some TLC, per some folks travel reports. We had a great time at both this year & would recommend both!
Mahalo!