Harriette, Its possible you have become immune to the constant silent roar of the reef. I hear it when it stops. Wow I'm not making any sense tonight.
shee3 your description fits most places here Its a long skinny island that has almost all its development facing the one side that has reef.
transportation to town is way easier nowadays so places that where described away from town really aren't anymore. that makes sense, doesn't it?
Have you looked here http://ambergriscaye.com/pages/lodge/lodging.html