The Palm condohotel right next(North) to Ramon's is an excellent place to stay. Very nice rooms, way better than the inside of the ramon's cabana I saw. We were there in mid-August and got a ground floor that opened to the beach for $90 US a night(the offseason "walkin" rate) plus 12% for tax etc. they have a nice pool, I think, 2nd only to Ramons of all the places south of town. I looked at all of them.
The Palms was also close enough to town it only took a few minutes to walk there. so it was easy to go to town to check email, shop, eat,wander around several times a day. Bananas is far enough away its not too convenient to walk. So therefore you have the hassle and cost of bikes or golf carts.
hope this helps.