I'm booking 1 - 2 Bedroom villa and 1 studio room at Animal Kingdom lodge. Occupancy is 9 people in the 2 bedroom and 4 in the other. We have a total of 13 people staying between the two rooms. Is it frowned upon if I have 10 people sleep in the 2 bedroom and 3 in the studio?
Disney doesn't really care if you shift a person from one room to another. If this creates a noise violation they will cite the booked occupancy limits as a reason to move that person back to the other room... or boot you entirely. But really, no one's going to notice.
Occupancy is governed by fire codes, not money
Sortof. The building codes and Fire Marshal (or equiv) inspection establish a maximum occupant load for each dwelling unit. The property can post and enforce any maximum occupancy less than this they like. Almost universal is a 5 person limit for a 300 sq.ft. Hotel Room plus 5 persons for each adjoining bedroom. A 2 BR AKL villa has 3 times or more the area of a standard room and could easily support a max occ of 12-15.
Consider POR, every room is the same 314 sq.ft. as a standard AKL room. If that room only has a king bed, occupancy is set at 2 people. If you put two queens in that room, occupancy
increases to 4 people even though the open floor space is decreased. Add yet one more obstacle to egress, a sofa bed, and occupancy can increase again to 5 adults. The more barriers to exiting the room, the more people it's rated for. Examples of this in most resorts, POR is just handy for me atm.
Property owners can actually request a higher max occupancy limit for any space as long as egress methods support that number. Consider that for fully enclosed hotels each building has 2 or 3 double doors as egress. Each Building constitutes about 100 units, occupied by 2-4 people each. Building Egress requirements for 400 people is six 36" doors. It's not as simple as that but this does illustrate the scale we're looking at.
Getting 10 people out of a room through one of those is not going to be significantly less safe than 9 people. And if the 2BR suite is at Jambo or a 2BR lockout at Kidani then there are 2 egress doors for the suite.