With rental cars in high demand for your time frame (summer I assume), $244 is a good price. Keep checking tho.
For me, I'd prefer to have access to a rental car to see the area whenever I want.
Of course it's more cost effective to use Uber, but then you'll be resort-bound and only get out at meals,
and maybe a couple of times otherwise. There are many activities everywhere, and it'll be more memorable
if you can drive around. Or consider renting it for 3-4 days only, and then decide on further days.
Regarding bugs/insects, it's not an issue. Carry a small bottle pf repellent and IF NEEDED you'll have it.
You probably won't use it much, but if you sit on your balcony for 2 hours in the evening where there's no breeze,
or around a pool with no breeze, you might put some on, but again, it's not an issue, only an afterthought.
Needed if you stay near a lagoon-type setting, but at a resort with no lagoons you'll most likely be fine.
ALWAYS take along water shoes, then you'll have them if needed. There are some shells but not many.
The issue is HOT sand in the middle of the day, and hot boardwalks.....you'll wish you had them.
Flip-flops would suffice for that. Need water shoes only to help with shells under the surf, and that is unpredictable.