honestly, i dont know beaches photographer policy, but i wouldnt want to mess with my pictures on my wedding day.
what i mean is, i wouldnt want to take a chance of my photog getting kicked out that day and having no wedding pictures. i would comply with what the resort policy is, in order to not have to stress and freak out in a bad situation. wedding pictures are so high of a priority on most brides lists, i just would hate to take a chance.
bite the bullet, pay the $, and enjoy your amazing pics, stress and worry free.
can you imagine taking the risk and losing? 1 year after the wedding, even 20 years from now, you wont be able to re-create your once in a lifetime opportunity wedding pics, kwim?