OP - i’m not understanding the “financially strapped” piece. Were you charging your guests for a portion of the points and using that money to pay for other components of your trip or do you mean financially strapped because of using unnecessary points? If the former, do like others are saying and rent it all out and stay elsewhere. If not, enjoy the extra space. Starting around the ages of your kids is when we started always getting 2br and it was great.
This happened to us one time so I ended up renting the studio to someone we were acquaintances with. I told them that they would not have charging privileges and no one could get the dining plan. I got there first, made sure the shared door was locked up, handed them the key when they arrived and saw them when we made it back to work.
Also, as someone else said, in twenty years I have asked for one exception. They gladly did it. It doesn’t hurt to ask. If MS can help they usually tend to.