You do have to disessemble to refurbish, Go to your local bookstore and look for books on the process, and no, you aren't crazy.
I would have a local tuner check out the piano to make sure this is worth doing before proceeding! The finish is least important part of the piano.
There is a very helpful website called refinishingfloors.com that has many articles on how to refinish floors. It also has advice on the best kinds of wood floors.
If you need help I recommend you type in the specific question you need help with
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