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Planning stages... would love opinions and advice

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My husband and I are in our early 40's without children. We've been wanting to take a trip to the beach for a while. We always travel in off season to save $$. For example, we normally go to Scottsdale in the summer and hang out by the pool for a week or plan city trips like Paris in February.

We are planning on early September and will be flying from Chicago. This will be our first trip to an island.

After looking at all the usual suspects(hawaii, mexico, caribbean), I've decided on Turks and Caicos. It's the first island I've researched that seems a perfect fit for us. We enjoy peace and quiet, hanging out together, relaxing, reading, playing in the water. We are conscious of how we spend our money and would rather stay in a nice space(resort with amenities) rather than eat out every night, if that makes sense. So, with that, I am hoping you all can lend me your opinions and advice.

We want to stay somewhere on the beach with a view at a place that offers nice beach lounging (preferably at no additional cost), bikes to ride into town, and paddle boards/kayaks. I would like to keep the accommodation cost under $3000-3500 for 7 nights. Anything over that and my husband may have a heart attack. I'm not opposed to renting a condo/villa, as long as it provides the few things we desire.

I've read many times over that we will need to rent a car. I'm not opposed to renting one for a part of our trip. I just don't want to have to jump in the car every time we want to do something, hence the bikes.

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