Pat, I am 62 and just returned from AC, had the best time, snorkeling, walking to all the good restaurants, and shops. Since I have only been able to spend a fews days there, I cannot tear myself away from AC to go to other places. I do want to visit other cayes and the mainland, but that will be when I can stay for an extended time.
I love being right in San Pedro on AC, we stayed at the Sunbreeze, great and location is close to everything. BUGS & RAIN do not worry yourself about them. Take bug spray, but we never needed it. Rains are short showers. Go and enjoy.