For drums I would do as Satchmo said, a mic on every piece... also try mic'ing underneath the snare drum (a clip on mic does the trick) as well as mic'ing the top of the snare drum. This allows for that crack hit sound which you can't get from just mic'ing the top... just remember to reverse the phase of that mic underneath the snare. Two overhead mics (panned apart far enough to give a nice stereo effect) is a good idea as well as a room mic, placed 10-15 feet (maybe more depending) away from the drum set just to give the overall sound some realistic dynamics.
For Piano, I've seen professionals always place two mics in an X pattern in the middle of inside the piano. I've even seen people mic underneath the piano but never heard the result... I would stick to mic'ing inside the piano.
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