The Maldives is not one type of holiday. Your budget, transfer tolerance and interest in local life should decide whether you choose a resort, a guesthouse island or a combination.
Choose the island experience first
Resorts offer privacy and a self-contained stay. Local islands can offer a closer connection to everyday life and may suit a different budget.
Price the transfer honestly
Speedboat and seaplane schedules, weather and arrival times matter. Include them in the first comparison rather than treating them as a small extra.
Leave space for the ocean
The best Maldives day may be a slow one. Protect time for swimming, shade, reading and the conditions you came to enjoy.