If you only want a single voltage divider you can adjust the values of the two resistors to get whatever level of voltage drop you want. Sorry if you knew this already, but that wasn't clear from your post. Just make the 'first' resistor twice as big as the 'second,' which is essentially what you do when you use three resistors
For a stable power source you could try a switching power supply. I have used a LM2672 by national semiconductor with good success--I think it is the simplest in terms of a low part count. If that does not give you enough stability, you could use two regulators: a switching supply followed by a linear regulator. Also, maybe a fixed linear regulator would give better stability than one that is adjusted using a pot.
Sorry I know nothing about digital pots.




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