I have literally given myself a headache running all these different scenarios. Feeling a bit better since I put my reading glasses on (keep forgetting I need the stupid things

).
If there is only quick service at the mods, what makes the most sense financially for us is to move offsite to Bonnet Creek. However... as much as I LOVE Bonnet Creek I was sad about that for a few reasons. A) I was really looking forward to being able to book fast passes at 60 days out as I think that's going to be a huge advantage for the Pandora attractions, not to mention FEA (which we haven't ridden yet). And B) I very carefully selected our dining reservations and I would hate to lose them.
So we decided we will do room only at a value for the first two nights, and that not only fixes the fast pass issue, it gets us the new Magic Bands and gets me my onsite fix. Just when we are about to go crazy being in one small room together.. off to Bonnet Creek we will go.
We've also decided to keep our favourite reservations and pad the dining budget to reflect that. It still saves us a ton over
free dining becasue we have tickets already. It will be less meals at Disney TS but we will keep Ohana and BOG and a few others.
Not only can I live with this plan, I actually feel excited about it!