You edited your post to add this text
after I responded to it.
To address your additional points...
Your original assertion is that losing the monorail would be a "cluster." Would transportation to/from MK be slower and/or less convenient for some resort guests? Probably. But there's enough alternative options that I still don't see how it's enough of a logistical nightmare to warrant being called a "cluster."
As for Epcot; there's already park bus infrastructure from the monorail resorts with routes to AK and HS, and Disney manages to add bus service to both Epcot
and HS for the Skyliner resorts (which have
significantly more guests than the monorail resorts) when that goes down, so I think they would manage just fine having to add a bus route to Epcot if the monorail went out of service.
So do I think there's zero impact if the monorails shut down? Of course not. I just don't think it becomes a "cluster" for Disney if the state decides to push things that far.