When you are as blessed as I am to go every year, but always wondered how the better half has it, then you will test the "waters" and go have a dip at a more expensive resort's pool. We only get to stay now in the Value resorts, but made a reservation for breakfast at Ohana's at the Polynesian. We brought our swimsuits in a small bag and went outside and had a great time in the pool. We even ordered drinks and told the staff where we were staying. They were more than happy to allow us to use whatever we liked and even found us large beach chairs since the others were all in use. We were so appreciative, we are hoping to allow ourselves to stay there next year. As they said to us "a happy guest is a returning guest!" We are no longer embarassed and plan to "hop again".
So please, don't sweat the small stuff and make a big deal out of something so minor!
ENJOY YOUR TRIP NO MATTER WHAT.