With 2 golds and 2 companions, you're all in the gold upgrade bucket. When you check in you'll be asked whether you want an upgrade and to designate a companion. Designate one child for each adult. You'll be warned that you could get split in order to clear an upgrade. But you won't get split unless an upgrade clears. That's what's changed in 2 years - the system is now sane so you don't need to game out whether to split the PNR.