We have done a couple of all-inclusive resorts with our 4-year old son, and one without. We are divers, so if we don't take someone along to watch him, we need something with a Kids' Club for him while we were on the boat.
We stayed at Allegro in Cozumel for a week and enjoyed it. It is not one of the top-of-the line all-inclusives, but the price is very reasonable. (You can often fly into Cancun, then bus to Playa del Carmen and take the ferry over if airfare into Cozumel is too high. Takes about two extra hours each way, but we have saved $400/person doing that. The rooms are basic, but clean. We enjoyed the buffet dinners, and the drinks were nice. The grounds are very well-maintained and the staff is very friendly. We also spent one night at their sister property next door, The Grand, but preferred Allegro even though it is the less-expensive resort (you could not see the beach from the rooms, and there were problems with the air-conditioning in all of our groups' rooms). Both of these resorts do have the time-share salespeople there, but we politely told them we weren't interested in a tour on our first day there and they didn't bother us again.
We also spent a week at the Aura Wyndham in Cozumel. It is an upscale adults-only resort, and is much more expensive than any of the others I had been to. The rooms were much nicer, and you did get drink service at the pools vs. having to go get them from the bar yourself. But, we spend very little time in the room so I didn't see that the value was very good here. they did not have a buffet restaurant choice, and limited menu at the other restaurants.
We just got back from a week at Breezes Curacao and that was a very nice resort too. My son loved the Kids' Club, even though some days he was the only one in there. They had a rock-climibing wall and trapeze school on the beach, as well as pool, ping-pong, chess, shuffleboard, and kayak/catamarans. On weekends, the resort would get fairly crowded with locals coming in on day passes, so the wait for drinks at the bar could get long. They have a nice beach and protected area for snorkeling, and the dive boat departs from the resort. The Kids' Club went to the Seaquarium next door one day and my son got to see a dolphin show, sea lion show, feed a shark, and pet a stingray. The grounds were very well-taken care of, and we enjoyed watching the resident iguanas and parrots, and the staff here is very friendly too. I think they offer shuttles into town, but we always get a rental car so we can explore the islands on our own.
I would definitely use my points if I could for the airfare.