For awhile, my 2 older sons would share a bed, one on top of covers with a blanket, one under covers, so no touching by accident, lol. Then later, even that became unacceptable. We had 4 kids, not willing to sleep together as they got older, but we booked a 2 BR. (4 kids = 2BR!) We took one son (special needs) in the master BR, on an air mattress. Then each kid took a bed in 2nd BR, and another air mattress on floor there, or he used the pullout in living room.
Even with 3 kids, a 2BR may be in your future for a few years. We stretched the points by going every other year, with other non-Disney trips on off years. Then went every summer, but only Sun-Thur mights, doing weekend at Universal. (OKW and later BCV, so it was do-able with our measly 200 points!)