One other possible advantage, and I am digging deep here. On your second, smaller contract, you could add more distant family members from different households, such as adult brothers, as owners. You would then transfer the points out each year, but they would get to take advantage of ownership benefits, as long as you added another direct 25.
It comes with a lot of risk. Someone may steal your points, for example. It also is added hassle, but this could technically be tallied as a "plus" that you cannot do having all the same UY.
It comes with a lot of risk. Someone may steal your points, for example. It also is added hassle, but this could technically be tallied as a "plus" that you cannot do having all the same UY.