I'm right there with ya Lou!!
Costa Maya is great, even the little shopping village at the end of the pier is worth checking out. We just lounged on the beach right there and went for a swim in the pool. The lobster encillata <sp?> is fantastic.
Belize is a very poor country and Belize City is the most populated area; thus it has the highest crime rate. Book an excursion here, or just visit the shops and the Wet Lizard. Our tour guide, Joyce, was great!! She even had the bus go thru some of the different nieghborhoods so we could get a better impression of the country. Amazing place but I would not want to wander around alone or without a guide.