OK then you can remove the WL from your list unless you spring for a Deluxe room with CL access to get (3) sleeping surfaces. Are you willing to count Copper Creek, or Boulder Ridge in your WL options?
For BLT you only get (2) Sleeping surfaces in a Studio so you would need a 1 BR Villa to get (3) sleeping surfaces. Would you be willing to look at the original CR guest rooms either A-frame or in the Garden wing since they all have (3) sleeping surfaces unless you book a King room which you would not want.
For Poly it is slightly more complex. For regular resort room (3) sleeping surfaces are no issue. In the
DVC Villas there are (2) flavors of Studios. The original Deluxe Studios in the longhouses have (3) sleeping surfaces, and (2) bathing areas but only (1) toilet. The Tower Studios only have (2) sleeping surfaces so you would need at least a 1 BR Villa to get (3) sleeping surfaces.
All DVC options are able to be booked on cash stays. I include this statement since many guests think that DVC units are not available for all guests.
Dave