If you catch the early morning character bus (which Disney Dining will usually say doesn't exist, but it does) to MK the driver will ask where you are going. For both Chef Mickey's and O'hanas (2x) the driver told us to just stay on the bus and after he dropped people off at the MK he'd take us to our breakfast. If for some reason he doesn't then yes you'd have to take the monorail over to the Polynesian.