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Jr. Suite owner w/<90 booking agreement -use it or bank it?

What happen too is alot of owners book weeks ahead for rental purposes, call in a year ahead, I know this was the first year I rented out a couple of my weeks. I had not booked ahead of time and found after Jan of the year, very little available untill April or MaY. So if you want to go in the peak times book ahead. Also, they have a all inclusive for the general public that takes up a inventory, also some of the owners put there weeks into RCI inventory and not sure how much of all the units are left for the owners to book. There are alot more owners than units, because we did not buy a pacific unit. Some owners do have a certain unit and use it each year. Sometimes RCI will have available. We went through RCI last year. We have a points resort also that we used to exchange into PB.