I'm a little older than you but we have similar tastes:Thanks for the advice, not young (39-43) if that changes anyone's recommendations. Mainly what we do on our yearly trips is eat good food, a few activities and a lot of drinking and hanging out at the pool/beach. Sounds like either would be up our alley. Thanks again everybody!
Fly to cancun
Take a shuttle to a ferry
20 minutes later you're on Isla mujeres
Rent a golf cart for a week
Drive that golf cart to your airbnb
If you go with at least one other couple you can stay at a million dollar house with a private pool on the south side (busy) of the island
Hang out by the private pool 6+ hours day
Eat/Drink at great places for embarrassingly low prices
Go to the local grocery store and get booze/beer/food for 1/3 the price of the u.s.
If you want beaches you'll have to take the golf cart to the opposite end of the island but they are some of the best in the world. The snorkling is also good. The only downside is that it's no longer a secret so it's getting busier and you'll also see a heavy military presence but we've never seen anything sketch.
We've done this I think 5 times and it's pretty amazing. If you go with another couple or two it will be similar to price of an all inclusive without all down sides of an all inclusive.