While on a Cruise a while back, we went to Playa Del Carmen. When you get off of the Dock (pier?) where the ferry stops from Cozumel, walk down the beach to your left (as you are facing shore from the ferry). Plenty of topless participation, but no C/O. We rented two lounge chairs on the beach in front of the hotel for $20.00 total, all day.
Also had occasional bar service from the hotel.
Not familiar with Coco Beach, sorry.