I have not seen the actual filed documents that made the designation for Cove Bar and TOWL but the announcement states they have been designated as commercial areas that "are now considered part of the common areas" of the DVC resort.
Understand there is a big difference between a "Commerical Unit" at a resort and what is instead designating an area as a limited common element that can be used for commercial purposes. A Commerical Unit is what one would believe that it is: a place where the owner of the unit (e.g., Disney) can stick (either itself or through lease to others) a restaurant or other commercial operation open to all and the owner pays some designated portion of the annual dues (it is really small) but is responsibile for all maintenance, repairs, and upkeep and services at the unit, i.e., there can be no charges to members for the upkeep or operations of the unit, and the owner of the unit keeps all profits. The owner of a commercial unit can choose who it will allow to use it (the Attic at Boardwalk was a commercial unit).
That is not what the announcement indicates has been done with TOWL and COVE. Instead it appears they have been designated as part of the common elements and can be used for commercial purposes,. In that case, all the maintenance, upkeep and repairs of both the real and personal property (the bar, the chairs, etc) in the unit are things that can be included in your dues. Also, the cost of operation over above any costs covered by income from the operation can be included in your dues. This is similar to AKV concierge where the concierge lounge costs are part of dues although the hotel, since it also uses it, pays a share. Moreover, if that is the nature of the designation then you are looking at an area that Disney cannot close off to members staying at the resort without an amendment removing it as a common area and thus it appears Disney does not have the intent to take away members use of it although there is no guarantee it will continue the current operations. Note the costs of a change in operations, such as changing TOWL into a full service restaurant open to all that requires a major reenovation, cannot be passed onto the members and likely, if such a change were to be made, there would be amendment making it an actual commercial unit rather than a common element.