lol as if money is object to you. Just steal one of your wife's bags and sell it to finance it if you don't want to take a bite from your budget.
The thing with The Maldives over the others is that it's really in the middle of fucking nowhere. The islands are all volcanic atolls, so your bungalow is built right up to the coral reef. The water is clear as a bottle of Evian and there's sea life all over the place. I could stand outside with no snorkeling gear in 3 ft deep of water and I'm surrounded by half a dozen nurse sharks, nemos, and a shit ton of other fish.
Here's a vid I took: