I'm not familiar with the Caribbean Villas but I didn't think that they had a pool just a hot tub.
Just as an aside, I want to make sure that you aren't getting Caribe Island and Caribbean Villas mixed up, are you?
I really like the Palms even though its pool is in the back courtyard. Certainly you could use Ramon's for your diving and it would be convenient but I still prefer Amigo's and they will pick you up anyway.
When you talk about ease of entry/exit on the boats, do you mean that you need a boat that doesn't require you to climb a ladder after your dives? By far, the majority of the dive boats in San Pedro are set up for backroll entry (I love that) but getting back into the boat requires a ladder.