Is the beach swimmable? If I rent...

Is the beach swimmable? If I rent from an owner do i have to buy the all inclusive meal plan?

The beach if very nice. Warm water like Cancun, but without the seaweed! There is a roped off area for swimmers keeps the boats and Kayaks out. Crystal clear water. Can see fish swimming near the shoreline. Free for guests to use their kayaks and paddle boards with an attendant that helps you launch....I usually give him a couple of dollars tip per user. Regarding the all inclusive....I have never used this. Plenty of restauraunts on the resort and walkable places on the beach or 20 minute walk to the marina area. Or pick up groceries from nearby Walmart/Costco (walkable) and cook in your full kitchen, which each unit had. 1 bedroom and larger has a full size refrigerator and all kitchen with all utensils and cooking items needed.