something like that happened when we bought RIV direct in 2019. We wanted February UY but no Feb 2019 points, so we would have started out borrowing for our 2019 New Years’ trip. We ended up matching our VGF UY, which wasn’t ideal but turned out ok after all - used Aug 2019 points for our December 2019 trip.
Aug UY worked out for us again this year - since we bought this summer, we sold back 2022 points and ended up with a ton of Aug 2023 points weeks after we closed. But because we bought more than 150 points, MB wasn’t quite $10/pp off.