Are there good beaches on Caye Caulker (where are they)?

I'm coming soon --can't wait-- but am worried that there aren't any nice sand beaches, perhaps w/nice swimming but w/o too much sea grass. Is this true? Am I being silly? (I'd have no problem paying for a beer or a chair to have access to a good beach for an afternoon.)

Also, can anybody recommend particularly good bug repellant?