A strong vote here for Club Fantastico on St Martin. We only wore clothes for the 5 minute drive between the villa and the Club O beach -- and even that your wife could manage with a sheer pareo. Guys wouldn't have to take anything but a towel to sit on, now that I think on it.

Club Fantastico has wonderfully comfortable rooms, a great outside bar, pool and hot tub and marvelous outdoor showers. Depending on the time of year you can have a breakfast plan or all-inclusive and you will be hard pressed to meet nicer hosts than Chloe & Thierry who run the place.

Oh, and don't let the name put you off. It might suggest a cheesy 70s swingers club but it's just that the Italian-American owner thinks the place is simply fantastico! and I have to agree.