From my experience with Wyndham resorts, they ask for the names of the individuals staying in the room when you check in. Other than that, how will they really know?I have read elsewhere in this thread that the maximum number of people in a unit is strictly enforced. From what that post said, a chil counts as a person at any age, and the explanation given was that it was about fire regulations. This is second hand information so YMMV, but I wanted to share that.
When I travel with my family of 5, I typically look for hotels that permit 5 in the room, but sometimes can only find ones that permit a max of 4. So for those I just indicate 2 adults, 2 children to make the online reservation. In all cases I have my own air mattress anyway for child #5. I've never had an issue with this. It's not like there is a security department - room enforcement division.
However, the Bonnet Creek resort is different from a hotel because it does offer 2-bedroom and larger units. But, if only a 1-bedroom unit was available for the time I needed it, I would book it for my family of 5 and make do. If you don't cause any fuss, it won't be a problem. To each their own, but that is how I would handle it. The 1 bedroom deluxe units are typically spacious enough, in my experience, especially if putting the youngest in the king bedroom. I don't have experience with 1 bedroom non-deluxe units, and imagine they would be smaller as was described by another forum member.