I took a tour through Fountain Blue when I was there in August. It is very nice, and right in the middle of everything. Banana Beach is farther south, but consistently grabs rave reviews. Personally, I found the beach area around Banana Beach to be much nicer...my kids would prefer the beach to town anyday! I don't know that being closer to town would be of any benefit to your kids, there's not much in the way of shops or things to do for kids that age...so it depends on what you and they are interested in. Any tour that you book will pick you up wherever you you are, so flip a coin or split your stay between the 2 and let us know how it turns out!