We booked our excursions directly. It is cheaper and we were in control. In Grand Cayman, the seas were very rough and they cancelled the tenders and ALL disney booked excursions. When we finally got off the boat, after moving to the other side of the island, we were already over 1 hour late for our excursion, we were met by the tour bus and told that we could go on the next boat out for the sting-ray swim, no problems at all. In Cozumel, I'd suggest you take a cab to Chananaab Park. Thats where the dolphin and sea lion excursion go. They have a great beach, plenty of area to snorkle, a calm sheltered kids beachfront, and a beachside restaurant. The cab costs 10.00 each way and the park is 10.00 per person. It's very clean and safe. I guess we switched to the 1 bedroom because of the extra area. Sometimes I can't get to sleep the night before a vacation and having the extra room to sit back and watch t.v. and not disturb everyone else is a good thing and it's only 20.00 more then the studio. I have also heard that the 1 bedroom comes with a washer/dryer in the room, if you're coming from a mini-vacation like you say, you can do laundry without leaving the room, as late as you'd like.
Sandra