Our original interest was in buying VGC because we were living in LA. Before construction, the rumor was that VGC would be offered for sale first to existing DVC owners and that it might sell out before sales opened to the general public. To avoid that possibility, we bought a 25 pt April UY HHI from my cousin (April is the perfect Hilton Head UY). Then VGC sales started in a worldwide economic downturn and my income was partially paid on commission, so we didn't buy direct but around a year later bought an 85 pt resale contract June UY ate VGC. UY didn't matter much to us and we'd use our points for 1-2 night stays and could travel last minute and use the HHI points at VGC too. Managing two UY wasn't too hard.
When we moved to Alabama, I wanted to add some more resale contracts and I think June is a terrible UY for Florida (we'll probably never go in June, July or Aug). I don't hate an April UY for Florida but think Sept or Oct is ideal. So first we bought a 50 pt Apr UY BCV contract. The idea was to add one more small Apr UY contract at Copper Creek but one came up at a good price with an October UY and we bought it.
I actually think October is the ideal Florida UY and if I could change all of my UY to October I would do it. You have fresh points to use over the best IMO season (Oct-Dec) and then points that are still bankable for travel during the second best season (Mar-May) and if you somehow forget to bank you can almost certainly book something in September.
We honestly have "enough" DVC points- at least until we visit more and determine whether we like it still. However
@Fido Chuckwagon has convinced me that I also need some BLT points so I'm always on the lookout. At the right price, I would buy a June UY but that is a distant 3rd choice to an Oct UY.
The 3 UY is a PIA at times but it has advantages and there was no way for us to move to the Oct UY without having 3 contracts. So- 3 contracts it is.