Looking for opinions. We stayed at HHI about 5 years back. It was a March golf trip - not really beach weather. We have done the outer banks beach trip so we have that as a reference. If you have opinions about Hilton Head beach in summer for surf (we have young children) and insects/jelly fish (had some issues in NC with the jellies).
THE DISNEY RESORT IS AMAZING!
THERE ARE SO MANY ACTIVITIES AND OUTDOOR THINGS TO DO FOR KIDS OF ALL AGES. THE COUNSELORS ARE AMAZING!!! WE JUST PURCHASED OUR FIRST
JUST WATCH THE BEACH REPORTS & ASK THE FRONT DESK IF YOU SHOULD KNOW ABOUT ANYTHING UNUSUAL. THE CHANCES OF JELLYFISH, ETC... ARE NO MORE OR LESS THAN ANY OTHER BEACH. I GREW UP ON THE BEACH & HAVE BEEN TO MANY IN MY LIFETIME & HHI/DISNEY'S BEACH IS BY FAR ONE OF THE CLEANEST & NICEST BEACHES I HAVE EVER BEEN TO
GOOD LUCK WITH YOUR BEACH PLANS! 
If we wanted to get wet we went to the pool.