Here's another possible solution. Even though our first ever
Disney cruise was in a Cat 4 stateroom, we decided to get adjoining Cat 10 staterooms on our 2nd cruise. Even though we didn't have our own private verandah, we did have two bathrooms, two showers, two closets (twice the storage), and two rooms. This second cruise was by far more enjoyable because of that. And if we wanted some verandah time, there was plenty of space up on deck.
I know that there are those who will argue with my logic, but for a family of 5, I would take two cat 10's over one cat 4 any day of the week.