You shouldn't lose your ADR's. If you can't get your ADR's to show up, call and have them add your phone number to the ADR, then you should be able to link it. I have had that problem every time I call to book my ADR.
The penalty could come in if waitlisted for a resort that takes less points that what you are booked for, and your banking window falls too close to your trip. It would still, probably, end up a wash. If the waitlist goes through, you could end up with unused points in your account that can't be banked. While you would most likely still have the same amount of points in the end, it is unsettling to see points there, taunting you.
With that said, I have heard of people who transfer points back and forth (Only once per UY) to try to keep from having expired points. I can totally see how that would work!
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Tammi