Good morning, lucky you to be going to Negril soon.
You can take a red license plate taxi from the RIU to Rick's... someone who has recently been will weigh in on how much that would cost. Big hotels like RIU often offer a catamaran excursion to Rick's. You would pick it up right at the RIU.
There are 2 Margaritavilles in MoBay but I think only one in Negril and it is definitely in the middle of 7 mile beach. You could go there just to say you were there, but there are many smaller (less expensive) bars nearby with a lot more character. Make a day of it, and visit a few.
We always bring a mixture of US and JA money. Mostly JA - but then we are Canadian. You will get plenty of opinions on that as well.
Have an awesome vacation - take pics and post them