I've only stayed in the cottages once, and I did tent camping in a bare site once. Neither time did I have lizards inside. I suppose it's theoretically possible that one could scoot inside an open door, but I never saw one.
For what it's worth - have you ever been to Florida? The little lizards we're talking about are like the lizards in Florida - maybe 2-3" long. They eat bugs and have never creeped me out, but that's me.
I really don't think you need to worry about a lizard inside....
Happy planning!
Minde