Assuming you're going to exchange via RCI, try for Coral Princess. That's not AI at all. Also the Melia on the north end trades via RCI as "optional all inclusive". You can opt not to buy any AI, or you can buy a one day or 3 day AI bracelet once you are there. It's a rather isolated resort and you will not be able to even buy a coke a la carte if you don't opt for their AI. But there are one or two restaurants within walking distance, including two nice outdoor ones at Playa Azul to the south. The Melia on Coz has a pretty dinky kitchen, so don't plan on shopping for groceries and preparing much beyond cereal for breakfast and sandwiches & other light fare. I love Cozumel...it's mostly going the AI route, so you are smart to enter your exchange search asap for 2010.