Alright, so I called MS this morning. There were no cash rooms available at the BWV for the night we check out. They had a few rooms at BCV for $400 a night with the discount. I never appreciated being a
DVC member so much.
Regardless, I think we finally have a plan. The day we check in we aren't landing in Disney until 10pm. So the first night we will check into a standard view studio just to sleep (not sure why I wasn't considering this a wasted day). We will check out the next morning and check into our 1BR. I was worried about our room choice checking in so late anyway, so this will work out even better. I can justify spending the 21 points, I couldn't justify the 47.
Thanks to everyone for the great ideas!