we have been to Cozumel several times and have done the following..
Paradise Beach 4X
BarHop Tour of the far side of the island
Salsa salsa and margarita tour (son and girlfriend won best dance couple).😀
Shopping downtown.
Chankanaab park
I love the water, beach and pool. A few beers and some good Guacamole and I'm happy.
PAYG probable makes more sense for us.
The closer the better.