We recently stayed at CoCoLaPalm. They put $200.00 against your credit card and this gives you signing privileges at the bar and restaurant. You can increase this from the start or top up as you go along. This way you don't always have to have cash on hand. You can specify how they are to notify you once you have used your hold and you can go to the front desk at anytime to check your balance.

For lunch you can sit on your lounger and have it come you. The beach vendors have lots to choose from or you can have lunch delivered to you by the staff. If you want to venture out there is lots of choice within a short walk. CoCo has a great happy hour from 5 to 7 and the meals at the restaurant are very good.

For a first non A/I it would be a good place to go to.