I'd say exploit that loop hole. Its what I did. And it was a whole lot of fun

(that is, if you count sitting at your computer for 3 months fun.)
But in all seriousness, you really shouldn't worry about credits. Its better to have a wonderful piece of animation and no credits than a blah animation with ok credits.
And please remember. What your doing is ANIMATION. Have fun and please don't shoot for realistic. Have fun and make it cartoony. If you try to make it look real as you can you might as well grab a camera and film stuff.