I know there will not be enough points for the last year. If you take 1 Feb, 2041 through the Dec UY and you assume they sold 98% and the remainder is not available for reservations, that fills the entire resort ignoring the lockoff premium. But don't forget the previous UY's overall to a degree. Looking at the variables I'd estimate that there will potentially be 50% more points than available units without any banked points coming into play. Obviously there are variables we don't know and some of those may help these numbers if they allow borrowing late, you consider the default rates will likely rise, some will allow points to expire and consider the lockoff premium. But the point is simply a mathematical one.
As for what was promised and the contract, it doesn't address the ending. I think you're reading far more options and protections in that are technically present.
Likely the best way to come up with a fair estimate ignoring the lockoff premium is to see how many months would be left at the end of each UY. They didn't sell an equal number of points in each UY and that will skew it some as well but for sake of discussion and overview, if you assume the % of points sold for each UY are roughly the same, it'll give you a good estimate. You lose 1 month for March, 2 for April, and so on down to 10 for Dec.