If you plan on booking room only for now and converting to a package later, you can do that with Disney. While package reservations have to be booked by a AAA agent, Disney can book a AAA room only reservation for you.
Just be aware that in doing that, when it comes time to convert to a package, you won't be able to just convert. You'll have to make a new package booking, pay the $200 deposit, cancel the room only reservation, and receive a refund. Disney can't switch between room only and package.