Here's what's confusing about points... it's doesn't flow the same in both directions.
A reservist gets a pro-rated year towards calculation of the retirement multiplier based on 360 points per year. So he actually gets a year's worth of multiplier money for slightly less than a calendar year's worth of points. Kind of like you also get 15 annual points for breathing.
But regular active-duty service (of any sort other than drills) counts towards your point total on a DAY FOR DAY BASIS. So an AD member going reserve after exactly ten years will get 10 x 365 = 3650 points, plus a couple-three extra points for the leap years.
So at that moment in time his exactly ten years of AD would translate to a retirement multiplier of 3652/7200 = .507222, slightly more than ten calendar years worth.
So nobodies getting hosed, either way. The 360 points per multiplier year comes from title ten, so it should not be subject to peculiar service-specific policies.