@ILoveMyDVC ... I am the sole DVC owner on my contracts and routinely travel with 7 other family members. Last August, I did not know about the member +5 limit. When I was informed by the CM, I politely commented that it seemed odd given that we were all staying in the same 2BR villa. She looked something up on her computer (whether to check the numbers in the lounge or confirm that we were all staying together, I couldn't say), then she happily let us all go up.
We didn't stay overly long, maybe 30 min or so, but it was a great place to take a break!
Since you seem to be in a similar situation, it couldn't hurt to politely ask.
Personally, I think a better limit than "member +5" would be "member + any guests staying in the member's villa" ... at least then the number of guests is tied to something other than owning/travelling with other members.