For cost effective, Baja Mexico. Split between La Paz and Cabo. Then plan an anniversary trip next year.
In addition to diving from both sides, you have snorkeling with whale sharks and sea lions, zip lines, camel excursions, a national park, general beaches, and more.
Crazy: Egypt, Maldives or Zanzibar (the profile pic is us in Nungwi Zanzibar for our 2nd anniversary.) But most longer haul international flights are a bit expensive, silly, a bit of a pain in the butt, require the 72hr tests and risks of quarantine if you sneeze at the wrong time.