I'd just keep quiet about it if I was you! Sounds like they've set some arbitrary per-user limit which has no relation to actual load. And if they give you the ability to create multiple MySQL users ... they can't complain if you use them. It would only become an issue if you started to hog the system and cause bottlenecks for other users. At which point they'll let you know it's time to move up the hosting food chain anyway.
BTW, can you keep us updated on how this works out? I'm very interested to see if this works as expected. I don't see any reason it shouldn't.
-- hugh
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