Regardless of the rules - I would tell you to drive over their. 98% chance you will be let in. Give it an hour or so in advance and tell the guard you plan to watch the fireworks and spend green money at the Lounge and at the Contemporary.
This is what is posted on the
DVC Website regarding access to the Top of the World Lounge including Resort stay and parking:
"Enjoy access to one of the vacation kingdom's most exclusive spaces: Top of the World Lounge atop Bay Lake Tower at Disney's Contemporary Resort. This access is granted to Disney Vacation Club Members staying at any Disney-owned-and-operated hotel at Walt Disney World Resort (whether they booked with Vacation Points or cash).
This perk is available exclusively to Members and those in their traveling party who are staying on that Member's reservation. At least one Member in the traveling party must accompany the group and present his or her current MagicBand or card in order to gain admission to the lounge and observation deck. A Disney Vacation Club Membership Card is also required to verify Membership.
Note that Members traveling from other Resorts must use Walt Disney World Transportation, as parking is unavailable to anyone not staying at Bay Lake Tower or Disney's Contemporary Resort. Upon arrival, Members must walk to the Bay Lake Tower main lobby entrance on the ground floor and check in at the Top of the World Lounge desk in the lobby."
1) You should already be staying at a Disney Resort in order to even have access to the TOTWL.
2) Why not use Disney's transportation since it's available for you?
3) You should follow the rules that Disney has, because they have them for a reason.
I was going on vacation and didn't have access to a car. Therefore, I was forced to use disney's transportation, and had no issues at all. Took the monorail from EPCOT and the Resort Monorail. We got to the TOTWL in 30 minutes. Then we had a nice walk to the MK Transportation area, and had a nice bus ride back to our Resort. Disney Transportation > driving around Disney property any day.