NCAA team: 5 players per team in stroke play; lowest 4 scores count per round; NCAA Championship match play: 5-player team; 5 individual matches per dual contest; Caddies: NCAA-specific accommodation rules (some venues / divisions allow caddies; others do not)
Why people argue about this
People often assume that only 4 players from a team play in each hole during stroke play, which leads them to think their teammates are just observers or scorekeepers. Actually, all 5 players hit their shots and count towards the total for each hole, but only the lowest scores of those 5 count per round when determining the team's final score.