We uses the "B" configuration by several customers, mainly when they need to have an open Access Point.
First, can't you turn off the 'router' function of your Zyxel, to make it a simple modem ?
=> If not, you can forward all ports to your AP/Router.
On your AP/Router, set up the wifi and forward all ports to the next, the SME that you can either configure in DHCP or fixed IP.
In this way, whatever could be you wifi settings policy, you get a very secure Wifi network (firewall between wifi and local LAN).
After that, you will have to set up a VPN, in order to allows your users when they are under wifi or when they are outside, to gain access to your local network (protected by your SME).
We use OpenVPN that is really stable and permit all protocols (uncluding SIP ...).
There is a choice to make between a "bridge" configuration or not. We use bridge so that vpn'users get an IP inside the SME IP range but that's discutable. Our contrib for OpenVPN (derivated from Swerts Knudsen one) is there :
sme.firewall-services.com
If you get pb, don't hesitate to post here.
A+,
RV.