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San Pedro Ambergris Caye, Belize OR Grand Cayman

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Help! I think I've *finally* narrowed my husbands and I's winter vacay to one of these two destinations: San Pedro on Ambergris Caye, Belize and Grand Caymen, BWI. But I need some input from those of you who've been to either/both!!

The similarities I've found between the two:
-Similar flight cost and travel time (both are really long flights-I think Belize is slightly shorter)
-World class diving
-Warm, tropical environment

Grand Cayman
-Less inexpensive lodging options, thus, overall more expensive
-World famous "Seven Mile Beach"
-Rental car is a MUST
-Great food, but heard it's costly
-No idea about night life (we're not looking for crazy, but at least some options)
-Limited sight-seeing around the island (I could be wrong here??)
-USD conversion CID is 20% less

San Pedro/Belize:
-Not much for beach, or swimming off shore for that matter (so I've read)
-Lots of great food and a plethora of fun bars/restaurants to go (not sure about cost)
-USD to BZD is 2:1
-No rental car needed-golf carts are primary means of transportation on the island, or inexpensive cabs, or bicycles
-Several things to do on mainland Belize, but requires water taxi to/from (not sure about cost on this one)

Please! Could someone provide their personal opinion of each of these destinations, your experiences, facts about cost, things to do, etc. etc. I am having a hard time making a decision. I feel that Belize would be much less expensive, but is it worth the extra $$ for an experience in GC? I don't know. We are novice divers, but would like to do some diving, love culture, food, and being able to try adventurous things that are off-the-beaten-path or different.

Thanks!

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