I just wanted to comment on the Cayman's, as we were just there in June. I don't know where the RCI exchange resorts are, but we stayed (cash rent - Lacovia) on 7 mile beach and had great snorkeling, a fantastic beach, and a lot of really good restaurants. It was easy either walking up and down whatever the main road that travels up 7 mile beach is - or the taxis run up and down that road all the time too ($2.50 ride). We only went down to Georgetown once.