I would take a taxi/shuttle to the other side of the island where there is hardly any tourists and you have the beach to yourself. There is 6 bars/restaruants or they at least serve food. I have the best pictures from there this past January. I am booking another cruise that has a stop in Cozumel just because of that. There is also a stretch of the beach where there are lifeguards as well. I remember it being right across the street from a restaruant/bar. That way you get the best of both worlds. Except there wasn't any lounge chairs or anything so I would suggest bringing the towel off the ship. It is so serene and peaceful. No place like it. Hope you have a fantastic cruise. Coconut's is a unique place to stop on that side as well.