Once I had the opportunity to snorkel with local fisherman near Chetamal, Quintana Roo, Mexico.
They were meat fishing with spear guns off the Belize reef.
The tides were horrendous and the fishermen hung their kills off ther belt loops.
The day before a tiger shark had been seen in the area we were covering.
Scary.
I was doing a story though so I stuck with it - in spite of my fears.

Point is the only thing the Belize reef had that Negril doesn't have is purple finger coral.
If the reef behind the Negril Yacht Club reef is intact it's every bit as good as the section of Belize reef I saw.