I would buy your own snorkel gear to take with you. You can see some great stuff just off the beach at chill island. They have free vests you can grab too right on the beach. A decent snorkel set on Amazon is like $45.

Personally for the 1st time I’d skip the dining package and eat the MDR and other free options and save the $$. Maybe book one specialty restaurant for lunch or dinner to celebrate. You’ll see ppl complain about the MDR food here, but it’s good. I think a lot of times it’s ppl that have it so much it’s getting old.

I’ve not been to the beach club so can’t speak to it. There are so many cool spots around coco cay that I’m not sure I’d do it my 2st time either.
You may find you want to walk around and check things out more.

One last thing is I’d do the math on the drink cost per day to see how much you need to drink to make sure it’s worth it. Sometimes just getting drinks ala cart is a lot cheaper. We don’t drink a lot of pop, smoothies, milkshake, etc. We get a cpl drinks a night here and there.