Re the hotels charging more when you say it's a wedding as opposed to a family function, definitely ring round and be firm about what you want and some hotels will accomodate you.
We had a civil ceremony and only wanted an informal get together afterwards, rather than the formal speeches and stuff.
We had picked a hotel we liked, and explained that we didn't want a "wedding reception" that we were treating it more as a "family reunion/celebration" scenario - food, wine, function room to ourselves, entertainment for the night arranged by us, plus the private bar in the function room was to be staffed all night so we wouldn't be traipsing through to the main bar all night. Did not have to pay for the privilege of using the function room (which the hotel also decorated FOC for us with fresh flowers etc) as our food and wine costs were over a certain minimum amount to make it viable for the hotel. This was a well established popular hotel in our home city too, so it's not like they were stuck for business and needed to crawl to us!
Just to note also, for anyone thinking of doing this and who are going the civil ceremony route, a main reason IMO that the hotel was ok with us doing the "family reunion" type celebration and not charging us wedding rates was the fact we told them there would not be a bride done up in white dress and veil, nor groom in top hat and tails, as most hotels have a policy of only one wedding per day so as to avoid confusion for the parties and the two brides wouldn't be "taking away" from each other on their big day.
The fact I reassured them that the dress was to be more casual - no obvious wedding party fare (ie I was in an evening dress rather than white dress, groom in suit but not tux/tails etc, and no huge gaggle of bridesmaids etc trailing round either), meant they could go ahead and book another wedding the same day as us (in thier other function room naturally!) without fear of the other bride who was doing the big white wedding thing getting in a strop over another woman "taking away from her big day"
So just to bear that in mind if you are going the civil ceremony route and don't plan on the traditional white dress- that alone could swing a hotel in your favour towards doing the family celebration style booking rather than a wedding booking IYKWIM.