Agree. I am in same boat even after an upcoming 2 weeks trip to France I would still be short for 3 or 4 nights. I actually still have a 7 nights TP Cat4 to burn and if worse comes to worst, hopefully be able to do this not far from home between Nov and Dec.

The best option for the OP is if there is a low pt cost option near home and book a 5th night free for Nov or Dec stay. So he can pop in a few times during the whole stay if he prefers the bed at home. No reason to do all that in Oct, not to mention the 3 rooms on one single night would not do him any good...