Thank you for all of the information and replies! It's all very helpful in my planning.
The bus aversion is not a disney specific thing. We will ride them when needed, we personally prefer to avoid them when possible to keep stress levels down.
Our plans are not set in stone yet, we will hopefully be booking next week.
As of now, the longer stay would be 2 days at cabana bay, 6 at a disney resort (most likely boardwalk). The longer stay is dependent on a few life factors, so if it doesn't work out timing-wise, we'll be doing 1 day at cabana bay and 5 days at a disney resort, again, most likely boardwalk. Longer stay vs shorter stay is not really based on costs and hotel choice.
It sounds like we will have a 3rd person joining us, in which case our disney resort budget is more like 2.5-3.5k, but the requirement from the 3rd person is that it is a 1 bedroom rather than a studio. (The 3rd person wasn't 100% going previously, so I was trying to price things out without them before.)
I love the idea of a split stay between boardwalk and blt (I so wish Poly had 1 bedroom dvcs...)
But I just wonder if it will be too much of a hassle to switch rooms. Since we'll have a kitchen, we plan to stop at a grocery store on our way from cabana bay and do most breakfasts in the room, pack sandwiches for lunches, and do dinner at the parks/resorts each night.
That being the case, I have no idea how we'd keep the groceries cold between switching..
Can the resorts store cold groceries for us until the room is ready?