Basically the resort wants to make as much money off of each wedding that they can so they tell you a lot of half truths.
1st - they say you have to pre-pay for a package - completely untrue! Many brides go down without ANY pre-planning & are still able to have a photographer capture every moment. They want you to pre-pay so they are guaranteed the $$.
2nd - no pro photographer - there is no way for the resort to know if someone is a pro or not & they do not check it out. I have spoken with my TA many times about this & she always just laughs. They don't do background checks on guests! As for "equipment" many guests have tripods, video cameras, expensive digital cameras, etc. who are just on a family vacation. The resort isn't/can't tell you that pics are not allowed by anyone other than the resort people.
The quality of the resort photos are not the best by any means. I have seen pics on utube, trip advisor, the knot, & here and none have been professional in my opinion. The best advise my TA gave me was to make a detailed list of each "must take" photo/pose that I wanted & to discuss it with the photographer in advance.
If photo's are the most important part of the day then I say dish out the $$ and pay for someone to come with you. Otherwise, unfortunately it is what it is. My wedding is at the end of September so hopefully I can pass on any additional info/insight to everyone when I return to help ease some very stressed minds!