I've been 'round and 'round about this vacation for months!! Instead of just reading ad after ad about what places offer, I thought I'd just go ahead and ask all you Fodor's experts out there!

Although our anniversary is in June, we're open to going anytime. We will have $3,200 saved by June (less if we go sooner, more if we go later) and will be doing all we can to stay within that budget.

I found an all-inclusive resort in Puerta Vallarta through Costco for $2500 for 10 days and that included air from Seattle, airport transfers, city tour, and resort credit. There is also one in Riviera Maya for close to that price for just air, food/lodging, and transfers. Both places would still give us money left over for the fun stuff: swimming with dolphins, zip-line, snorkeling/scuba, etc. We went to Riviera Maya for our honeymooon for 10 days and it rained for 4 of those days. We're from Seattle. Not cool. We don't have our hearts set on Mexico, we just know its warm, somewhat inexpensive, not too far from home so we're not losing days in travel, and I speak Spanish, so that's a plus.

But the lure of Costa Rica can't be ignored. I have no idea how to even navigate all the options, locations, etc. There are condos I saw for $450 a week in Coco, then head to the grocery store for some basic breakfast/lunch fixin's and find great places for dinner. We could totally beat $2500! A friend even said they hired someone to come do all their food for $20 a day! But I have no idea where Coco is in relation to any kind of activities or adventures.

Although the "resort life" has its own appeal (I'm a stay-at-home mom of 2, I'd love not to have to cook or clean while I'm on vacation!) this is our "once in a lifetime chance" to go somewhere and do something we may never do again. My husband has up to 10 days off work, which when included with weekends (and Memorial Day in May) we could be gone for 2 weeks. Our real driving force is being able to do it under $3,200. Warm. Beach. Adventure. On a Budget.

You guys are the experts! Do you have suggestions? Recommendations? Mexico, Costa Rica, somewhere else? Thank you!!!