You know, I was playing with this last night, and found that I couldn't change the router's IP address even when I was directly connected to it (not in AP mode). I tried to change the router IP address from the default 192.168.0.1 to 192.168.1.250, and I couldn't get in touch with the router again, had to reset it back to defaults. I also tried 192.168.1.200 for the router IP, no luck there either, could not get login prompt, and had to reset the router to get back into it.
I'm going to try 192.168.2.1 for the router IP, and see if that works, but it is a bit disturbing that I haven't been able to change the router IP yet, I've never had a problem with that with a router before.
I'm also wondering what you mean by "won't be able to use the 0.1"? Do you mean I can't use the 192.168.0.1? That's surprising, since it is the default router IP. Do you mean that I can't use 192.168.0.1 in AP operation? And you're using 192.168.1.2? If that's what you mean, I can try that, too. Although I don't see why that would be different than 192.168.1.250.
I have the "B1" hardware platform, relatively new model of the DIR-655. This one is a replacement for my original DIR-655 router that I gave to my daughter to use in her apartment, that one was an A4.