I have two concerns regarding this possible idea or this discussion since you are just wanting opinions...
1. Depending on which resort especially if you ever stay at a Deluxe or DVC, how many doors are available into a room. I realize currently you're talking about POP or a moderate but if you doing something once and gain a comfort level, you are probably more likely to consider repeating it even if some of the circumstances have changed. Our recent DVC villa was about 20 feet to the quiet pool at BWV. I would never even consider leaving either of my children in a room alone on vacation to take quiet time at the pool with my DH. Neither would he. Every DVC villa we've stayed in has the entry door and also some type of patio door to either a patio or a balcony. Yes, it's a slim possibility of someone realizing you're outside and not in the room but I cannot imagine taking that chance.
Not likely. I have been to several of the deluxe resorts and most likely wouldn't find something similar to what I have experienced at the moderate hotels, at least not from my experience with them. As for DVC villas, we wouldn't be considering that. I also wouldn't be sitting outside the room, if there were a balcony, patio or separate entrance despite it being possibly a few feet from the pool. If you read my other posts, you will see that I listed exactly what I would be comfortable with and have already addressed the things you mentioned.
2. My second issue is less about something happening to the kids and more about the what-ifs of something happening to you and your spouse. For example, if you're in your room and you both have a heart attack, the kids are going to wake and cry and scream and possibly call for help. Someone will hear them and get help. But they will know without a doubt that you are there with children and make sure that they get taken care of. What happens if that pool is only 10 feet away but you both have that heart attack (or whatever) out there. Who knows that you're traveling with children except you and your DH. The personnel who call for help aren't going to know you left your kids alone. How many hours before someone discovers a situation like that.
I'll make sure to google the chance of that happening.
I'm sure a housekeeper would find the children alone, quicker than anyone would find them alone at home, if that 1 in a bazillion situation were to happen.
Insurance companies (and no, I don't work for one) call pools attractive nuisances for a reason. It's similar to texting or talking while driving. IT'S A DISTRACTION!! No, matter how vigilant you are, accidents can and do happen.
One of our neighbors nearly lost her youngest son about 4 years ago to drowning in the neighborhood pool. She was there, he was 2 and in he went. It had never happened in our neighborhood before or to her with her older child. But even though she meant to be attentive, she had developed some complacency from the lack of accidents with her first child. It's easy to say, no, never me... but ask any parent (not the headliners) who've had a child taken either by a kidnapper or through death by accident. My neighbor was lucky, acted fast and saved her son. But every summer, I read or hear about a child drowning locally.
I trust my instincts. If I feel okay about the situation, then it's okay.
If dh drowns, I'll make sure to run and get the kids before I save him...and he likewise. If we both drown, then refer to my previous comment above. No one is going to kidnap my kids while I sit outside the door in the pool.
The other thing that pops up in this thread and I've seen other threads along similar lines is about the "quiet mommy/daddy time" or the "mommy and daddy alone time"...if you went on a FAMILY vacation, why are you taking time away from the whole FAMILY? If my DH & I want alone time, we're going to get that while we are at home and can call on the people that we know and trust to watch our kids and not try and hire complete strangers (even if Disney does background-check them) to stay with our kids during our FAMILY vacation.