Oh Scream - how frustrating for you! What a stupid policy! If the person you're recovering with minds so much they should have paid for their own flipping mw! That's outrageous! 
I would say don't give up hope - you might find that the people on the floor on the day will let her in (they are maybe the people who've let her in before?) but obviously given this latest turn of events you'll have to have a backup plan and be prepared in case she's not there.
I presume your DH can be there?
I'm obviously no expert but I would say that yes, what you've suggested sounds reasonable. Dd in just a nappy, inside your top and just let her snuggle on your chest. If she tries to feed, great, if she doesn't it's still good bonding time and all that jazz.
You're most likely right that the 'normal' MWs like to manhandle baby and boob (in my experience) and although I suppose it's good in terms of getting them on it really doesn't help you with anything you could replicate yourself iyswim.
So in terms of the latch itself, ideally you want dd to have her mouth as open as poss but I would guess that v few babies do that from the get go? My two certainly never did. I would guess that she can't do much 'damage' in a couple of hours - just try and chill out and see what she does. If she gets a hold of your nipple and it hurts (sometimes if they're sucking just on the very end it can hurt) then you can ease her off by just slipping your little finger in at the side of her mouth to break the seal (otherwise if they are latched on with proper suction it's nigh on impossible to get your boob back!)
Oh, I guess either you or DH could ask your IMW what sorts of things she would have suggested if she was allowed in? Might be worth DH getting some tips off her
Obviously I am not qualified in any of this so I stand to be corrected on any of the above. Oh, and if it's a couple of hours that you're in there, I would say don't be freaked out if she's not interested in latching on? (I assume
). There's still plenty of time to get it sorted and the skin to skin is beneficial whether or not there's any feeding.
Oh, and have an enormous squidgy hug - I'm so
at your hospital for this - Grrrrrrrer