Siphon all that gas into gas cans and other vehicles. Use a jack to lower the tank if you need to.
Cutting an access hole is a lazy solution and the downsides outweigh the time savings. If you cut an access hole, you really need a cover cut from another floorboard that overlaps at least an inch on each side. You'd want to nutsert around the hole to be able to bolt the new panel in place, and you'd want to seal it when it's bolted down. All said, that's more work than just draining and dropping the tank.