Best 3–4 day beach trip from Toronto in late October?

Hi! I’m planning a 3–4 day trip from Toronto around October 24 and I’m looking for destination recommendations outside of Canada and the U.S.

Budget is around CAD $3,000–$4,000 total. We’d love somewhere with beautiful beaches, snorkeling, and lots of activities like boat tours, water sports, nature excursions, or nightlife. We’re considering places like Cancún/Riviera Maya, Punta Cana, Puerto Plata, Aruba, Curaçao, Bahamas, or Turks and Caicos.

Which destination would you recommend for a short trip in late October? We’re looking for somewhere safe, fun, and good value. Also wondering if all-inclusive is worth it, or if booking flights and hotels separately would be better.

Any advice would be appreciated!