My sister and I have been contemplating
DVC for several years now and are seriously considering taking the plunge. Travel party is myself, DD, mom and my sister. Sister is single and DD is only child/grandchild. DH and dad provide extra spending $$ if we don't ask them to go

We visit WDW 1-2 times each year and have stayed value, moderate and deluxe. Standard rooms have worked out fine because my DD and I would share a bed but now that she's older we need more room. If we bought DVC, then I would want each of us to have our own actual bed (not sofa or chair), so I began pricing points for 2BR since this seemed to be the only viable option. However, I recently read recommendations to get two adjoining studios to use the points more efficiently and have an additional bathroom.
Also, initially I thought my sister and I would buy one contract together and split the cost down the middle. Upon further reading, it looks like we should each get our own contract and somehow use our points together on our trips. I like the idea of split stays in differing resorts.
SSR, AKL and BLT are where I was focusing my efforts, but should Poly be in consideration because of the studios?
Can you help me think through this? Pros? Cons? Other ideas and options? Thank you in advance for any advice you can provide!