DVC resorts do have the refillable mugs for each individual resort but some of them are inconvenient to get to. (Like the Boardwalk for example)

MS will allow 5 in a 1 BR, but as noted, they will not provide bedding for that person. Also, not all the AKV 1 BR will hold 5 either.

Another friendlier place to look into renting DVC points and ask questions is www.mouseowners.com/forums. I've been a member of the DIS for many years but will not go to the DVC boards there since they are just not always nice LOL Mouseowners will tell you what you are looking for but are much nicer about it if you ask an unpopular question (ie. 5 in a 1 BR)

I also second looking into an AP for 1 family member. The AP discounts on rooms aren't as great as they used to be but the DDE card is awesome! If you eat at a lot of TS, that will pay for itself many times over.

We've been DVC members for several years now and love it.