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All inclusive or not...which island in January?

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We r hoping to go someplace warm jan 18th for 4 nights. We have USAirways miles we could use. Would we be better going for a package all inclusive or just hotel & meals included or should we put together our package piece by piece? Which makes most economic sense? Also which islands would u recommend for this time of year that would be 80 ish degrees but also easy to get to from Albany, ny. We like quiet with beautiful beaches & good food...night life & casinos are NOT needed.
Thanks
Bernie

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