For these types of vacations, my only objective is to not think about work, lay on the beach with a book or magazine, eat, drink and spend time with my wife. I admit I'm pretty lame, but I think an all inclusive is the most hassle-free way to do this as long as you get one with good food, premium booze, and no kids allowed.
You may need to up the budget a little if you want to stay more than a couple days, but you may find something. Just be sure to upgrade your room to something decent.
Have fun.
If this is the actual need, who cares where it is. Just go to the cheapest beach and enjoy the mediocre food and other white ppl too scared to leave the resort.
I guess it's a trade off. If you're honeymooning for fine dining and culture on 3-5k, I'm not sure what the options would be. Possibly Charleston or New Orleans if you have your airfare taken care of. Could you do San Francisco/wine country for a grand a day? I don't think you could do New York in a manner that is worth doing or for longer than 2 days.
For me, the all inclusive covered the primary reason for the vacation (I agree that one beach was as good as another if there is sufficient privacy) and the food was good enough that the hassle-free aspect was worth it.
ETA: I have no idea what the ethnicity/nationality was of anyone else there because I didn't care.
