Sorry - my bad! I read your post with a 3 1/2 yr old hanging off my arm and I misunderstood!
Of course, I can't answer that question but even though my trip isn't until September, I am going to take advantage of the special rates with the money I have so far and go ahead and cash out some and stash them away in my WDW planner until we leave.
I'm just so psyched about how truly rewarding Sunshine Rewards is in this regard...