A lock off is composed of a one-bedroom and a studio, with two doors opening into the hallway. A dedicated two-bedroom will only have one door leading to the hallway from the living/kitchen room, and the bedrooms are only accessible from interior doors. Dedicated 2 bedrooms usually have 2 queens in the second bedroom rather than a queen and a couch with pullout, which is why I prefer them. In dedicated 2 bedrooms the second bedroom also does not contain a kitchenette, which means the bedroom is slightly more spacious in some cases.
BCV has a third category of 2 bedroom, since they have lock offs, dedicated with a queen and a pull out in the second bedroom, and a dedicated with 2 queens in the second bedroom category.
At Aulani, the lock off will have 2 baths while the dedicated has 2.5.
At Kidani, VGC, and BLT both the lock off and dedicated have 3 baths. All others whether dedicated or lock off have 2.