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Cruises and all-inclusives typically offer a lot of value for your money by including meals and some or all of your activities in the package price. However, if you're a couple who likes to explore the island, try the local restaurants or go on specialized or private excursions, a hotel + air package might be a better choice. Also, for certain destinations there are more and more independent resorts that are becoming all-inclusive, offering many different combinations of inclusions in their packages. These might include various beach sports, horseback riding, live theater, local transportation, golf, etc.
Finally, what's included in one resort's all-inclusive package might be very different from the next resort's package. Once you find out what's available, you'll need to decide just what you'd most like to have included. Then you can find out what you might still have to pay for at each resort to really compare them.