We primarily vacation at Disney but have done both a cruise and an all inclusive. We really enjoyed both. Our cruise was on Carnival and there was PLENTY for the kids to do, never any down time. We stayed at an Iberostar in Playa del Carmen a few years ago too and really loved it as well. It was just perfect for us, not the highest rated but certainly not the lowest I have ever stayed in. I would probably compare it to somewhere between moderate but not really a deluxe, but certainly very nice and absolutely no regrets. Good luck and Have a great trip!