Assuming you bought the minimum 150 points, you can still get a 2 bedroom unit. You may have to go at less pricey times of the year, or you may have to stay less nights than you want. You can also bank/borrow and do a really nice trip every other year. We have 4 kids and let me tell you having the 2 bedroom is a dream, especially as the kids get older and want their privacy. We only own 160 points ourselves, and while an add-on is definitely in our future, we make it work just fine for us, and we only travel when school is out. I would just not feel right telling my kids to hide or constantly worrying about someone catching us in our lie. Also, the kids grow up real fast so your plan will get harder and harder to work with each trip as they will each need a room key, etc.