Don't worry about the water to grain ratio like you would on a traditional AG setup. Your grain bill will be whatever the recipe calls for. Then you add however much water you need to end up with 5 gallons. The water to grain ratio will be determined by the other factors, not the other way around. Depending on how much grain your recipe calls for, and the amount of water your system uses, the water/grain ratio will vary, but usually be higher than the 1.5 quart/lb ratio that traditional AG brewers use. Up to 3 or 4 quarts per pound possibly. If the ratio is that high, you might need something to help lower the ph, since the grain might not be enough on its own.
Another option is to use the smaller ratio, and keep the rest of the water aside to do some sort of sparge with. I like to keep a couple gallons in a separate container to dunk sparge with, but it's not necessary.
Either way, you'll need to figure out how much total water to use. Your system will be different from mine, but I figure a gallon for grain absorption, a gallon for boil off, and a gallon between hop loss and trub loss, so I start with 8 gallons to get five gallons at the end. For example: say your recipe calls for 10 pounds of grain. And you decide to start with 7.5 gallons of water. You just add all the water and grain to the mash, and the water/grain ratio is whatever it is, in this case 3 to 1.
I've never heard about wheat beers being a problem for BIAB. The only thing I can think of is that for me, if my water/grain ratio is high, and I have a beer with no dark grains, my ph ends up being a little high. So you might want to have some ph test strips and acid on hand, or if you know your water profile use one of those water spreadsheets. Or just mash with less water and sparge with the rest.