This isn't hypothetical for me at all because I did book at 1-night splurge at the Poly last year before a cruise, and it was perfect. You don't need a bungalow or a fancy view; standard view still gets you in the resort. We swam in the volcano pool, hung out in the hot tub overlooking Cinderella's castle, drank Lapu Lapus, and ate a character breakfast at O'hanas. If we'd had more time we'd have gone to Trader Sam's too.