Towel sets (at $6) include 4 bath towels, 4 washcloths, 2 hand towels, and 1 bath mat.
You should not borrow towels from the pool for use in your room. This increases cost of operation for the resort as a whole which will ultimately be reflected in higher dues for DVC members. In a sense, you are asking other members to foot the bill for your towel usage. The whole idea of a charge for extra towels is to allocate the cost to members who prefer to pay as you play rather than washing your own.
Ralph