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Travelling solo and need destination advice!

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Hi all,

In about a year's time I'll be getting access to some money left to me by my grandmother when she passed. I'd like to take a solo trip and it needs to be to a place where I can get around without a car (I hate driving, don't have a license). So, either need really good public transportation, or somewhere small that is easily travelled by foot/bike rental.

One initial place I was thinking was Islamorada, FL.

But I'm not sure...so if anyone has any good ideas, please let me know! Here are my "must haves":
- I live in NYC, and would prefer not to travel VERY far (ie...I'd just die to go to the Seychelles but it's way too far). No more than 8 hours travel.
- Somewhere where it is safe for me to be by myself/get around by myself/etc.
- BEACH! I'm dying for a warm, relaxing, sandy vacation. Do not want to do a lot of running around and sightseeing. Maybe a scuba dive or two.
- Cost is not really an issue

Thank you!

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