I think this is what you were saying....
You and your daughter are adventurous divers, willing to learn, expand and develop your dive experiences (with challenging conditions that are explained by a DM). Your bride is happy with simpler diving, and there's nothing wrong with that.
Your lady is also less willing to rough it in terms of accomodations (rooms) or
dive operation inadequacies.
Your wife also is in search of some non-dive entertainment.
If I got that right ....
Then I would have eliminated Roatan from the equation of your post topic. There is no such accomodation on Roatan. The diving however is pretty much so dirt simple and easy-breezy. There are simply no "elegant" resorts in the Bay Islands... yet. They're all pretty much roughing it- some rougher than others. Some will actually rent you a converted metal shipping container with windows and electricity. These are very inexpensive but probably good if a storm hits
. On the other end are resorts like FIBR that try to gild the lilly by stumbling through attempts at upscale simulations. An honest representation a good room on Roatan would be AKR, CCV, BiBR and IoLR. They have all about the same rooms, but everything outside your doorstep including pure location is radically different (and :11: important) within those other four. There's not a whole lot to do for a non-diver, but a snorkeler or 'every other dive' diver could be entertained plenty. Horseback riding, jungle canopy tour, iguana farm, etc. Just not enough for a non-diver.
Belize, at least the out islands (remember that Belize is a country, Belize City is a city, and the out islands are Heaven!) is highly recommended by many. Fabulous resorts that are quite elegant- even in their primitive motif- are inviting for many. Much of the diving is a 25 minute ride from most resorts due to reef structure. Good dive ops, precious little to do other than dive- other than on Ambergis and larger keys- which are getting to be a new "South Cozumel".
Bonaire is also a delight. Much to do, and the resorts are varied and comodious. The resort boat diving is quite simple and lots to see nearby your resort. I am spoiled- when Bonaire resorts claim great resort based shore diving, I can't agree after seeing Roatan. The shore diving off resorts is however spectacular. Is your bride willing to do a rough and tumble shore entry through iron shore? That's is part of the bargain. Maybe you and the young gal can shore dive while Mom watches the car or goes boat diving- that could work well. The off the beaten path restaurants are a wonder- if you have a sense of adventure. :11ztongue
Cayman? If you can afford the toll, by all means go for it. It combines the best of all of the above. The best accomodations (even the worst are pretty nice), lots of shopping, sightseeing, safe environs, pretty nice roads, easy diving plus the Stingray City thing, no resort based shore diving when compared to other islands, and overall shore diving is very limited. Dive ops know how to cater to the less than 'expert' divers, and sometimes go a bit overboard- maybe not such a bad thing. You and the daughter might try North or east diving if the weather agrees, or you could try one of the deeper wall dives, maybe Tarpon Alley. Mom would love the boat dives! The choices of restaurants will keep you busy all week.
Each island has it's positives and uniques. I would try them all, make a plan to do it!
Look around our various forums.
