The Maldives is a chain of coral atolls across the equator, and almost every resort has an island to itself, so the island is the holiday. We choose on the transfer first, then the reef, then the feel of the place.
North and South Malé resorts are a speedboat ride from the airport: you can be in the water by lunchtime. A seaplane to Baa, Raa, Lhaviyani or Ari buys space and quieter reefs. The far south, Laamu, Gaafu and Addu, means a domestic flight and a boat.
A good house reef lets you snorkel with turtles and reef sharks from the beach. Some good resorts sit on sandy lagoons with little coral nearby, which suits swimmers but disappoints snorkellers.
The caveats: it is expensive once taxes, service charge and meals are added, and there is little to do on land. The southwest monsoon, mid-May to November, brings cloud and rain, but also the plankton that draws the mantas.