I recommend staying in a condo in Playa, and just fending for yourself for food and drink. There's a big grocery store probably 15 minute walk, or a cab ride if you want. Then you have some decent restaurant options, plus hello street tacos. We stayed at
this place and loved it. Beautifully decorated with views of the beach and a grill on the roof, just a block from the beach. 5-10 minute walk to the main downtown area. 10-15 minute walk to Cozumel ferry terminal, iirc. The beach there was absolutely perfect. Never saw any of the seaweed I hear other people mention.