I fhink Cozumel is louder than Playa..lol. But IDK
IDK Aruba - never been there.
You'll find a lot of quieter areas on Bonaire - even town is not going to be very busy except when the occasional cruise ship ports at Town Pier but it's a day port only.
There's a lot of individual rentals both north and south of town that are all within 15mins. or so of all the good restaurants, two large food stores etc. There's quite a few villas with pools in the Sabadeco area but I wouldn't call them bungalows - they're pretty pricey. Another option might be
Villas | Piet boon in Punt Vierkant A few minutes drive south of town so pretty quiet.
I rhink you'll find a lot of the rentals with on-site pools are larger properties - 3/4 bedrooms at least.
There's an occasional house rental in Belnem also with a private pool but they typically are across the street from the water - it's a quiet area - most knights all we heard were the donkeys off in the distance.
Curacao is pretty similar but larger. Willemstad gets pretty crowded on cruise days since the port is just north of downtown - we actually parked and walked into town once due to traffic congestion. Both ends of the island are much less active - I'd suggest looking west - it's almost too quiet out there (for us) There's some nice house rentals in the Coral Estates community or around Santa Barbara. There's also some interesting small villas south of town in one area - all have private decks to the ocean - I believe a few had their own pools. If I remember the community name, I'll oost it here.
One thing to be aware of is inter-island transport. Insel seems to be in financial trouble lately and they're the jet service between Curacao and Bonaire. If they go out, unless someone else fills the void all that would be left is Divi Air - small prop planes so they'd probably be swamped. I believe - but am not sure - there are more local flight options between Aruba and Curaco though. Not sure if you can get directly to Bonaire from Aruba. There's no ferries or private charter boat service that I know of between islands.
One area you may not have considered is the Virgin Islands. Mostly you fly into St. Thomas and take the fast ferries interisland.. St. John is known for smaller villas with pools high up the hillside overlooking the water. And it's a pretty quiet place, you only go there if you're staying there - or maybe for the day beaches. There's 2-3 dive operations on island and they dive locally or day trip over to the BVI's.
Yet only 30 mins. by car ferry from St. Thomas's East End - which is also pretty quiet. It's also a longer ferry ride to St. Croix (may be seasonal) - or a quick local flight - both the north shore and east end of St. Croix have smaller rental houses. An acquaintance owns one (not for rent) - he has a pool and walks thru his neighbor's backyard to shore dive Cane Bay Wall.
St, Croix is probably the best of the 3 islands for shore diving - it's mentioned on shorediving.com. I only know of 2 on St. Thomas.
The other option is the closeness to the BVI's IMO the better diving. The ferries run from either the port in Charlotte Amalie (St, Thomas) or from the East End regularly all day every day. Virgin Gorda is a lot of villas in all price ranges, many with pools running up the hillsides. Parts of it are still so quiet that my non-dive buddy would sometimes spend hours on the beach/driving around w/o running into a single person. There's even beaches only accessible by boat - some on small islands where you're lkely the only people there.
DiveBVI there is still one of the best dive operations I've ever used and I've dived a lot of the Carib. The Rhone is the famous wreck there and they just put down a new on in April - it had the distinction of being one of few ships to survive Pearl Harbor intact. Somewhere off Long Bay IIRC,
Also there's a lot of yachts, money and a few 4-5 star resorts so the restaurant options are more than you'd expect for an island of 3K residents. It's very yachty if you like that kind of thing - always sailboats going by - we did a tour of all the BVI's one day on a boat.
Tortola is the bigger main island - there's a small regional airport there. They also get the cruise ships there. It seems - but I have no personal exp. except riding by on a boat - that the south end is a lot quieter. Anegada and Jost Van Dyke are smaller/quieter still - with either of those be sure there's still an open dive shop - there may only be one - and the last thing I saw the Anegada shop closed down.
I found a bunch of villas in the BVI's on vrbo.com. Our criteria was different (group of 12 w/pool) but there's a lot of them. Ours was in Windy Hill which was a quieter residential area - about 20mins. walk to town. Also pretty close to the famous Baths down a different road - there seemed to be quite a few smaller villas in that area also - from our 3rd floor balcony you could see many had pools. The whole island is basically two low mountains with harbors/beaches in between. It is extraordinarily pleasant there - when we asked about locking the villa doors the mgr. said they didn't have any keys - they'd never needed them since there's no theft - it would dishonor the owner as we were their guests - although we only met them once.
