I'll assume here that the fridges are the mini's. So with that assumption I'd say #4. Yes, the recepts should be GFCI if installed along a counter-top near the sink. By "near", different jurisdictions have different requirements for distance from sink. I don't know if you're in Canada or the US.

Unless you have the ability to cook food, I don't believe this will qualify as a kitchen in most jurisdictions. I'd also pick out the fridges before committing to the circuits. Chances are, both of them can run on a single circuit. So my answer would be 3. One for fridges, one for the receptacles, one for the dishwasher/lights. Of course if you have a lot of lights, you might want to separate them from the d/w.