If you are pregnant, I'd recommend that you go away while this is done, regardless of what type of poly you use. The saw dust is not good.
I'm not sure what to advise you because you definitely have competing priorities here, so you will need to make choices. Fir is very soft, so using a more durable poly is better, but that will have higher VOC's. Oil will last longer and look better and cost less, but have higher VOC's.
The water with no stain can look rather dull.
I'd stay away from wax. It generally won't do you much good and you'll need to reduce it every month or so, and as a result you'll be spending more not less.
I'd see if you can stay somewhere else regardless of what you do.
Prices vary by region so call some local places. I'd recommend Angie's list as a good starting place.
Debbie Gartner, aka The Flooring Girl
http://TheFlooringGirl.comWestchester County, NY