Advice on Costa Maya/Roatan/Cozumel

Hello all! I searched the group but didn't see an answer for everything I'm wondering.

My friend and I (both women in our 30's) are going on a cruise next month. I have been before but she hasn't. We want to do excursions but not in every port. We both want to hit the beach as much as possible.

Which ports are the best to just hangout in? Which ones have access to a beach near it?

I've heard Cozumel has the most to do in/around the port but I think we're going to do a catamaran excursion because I've heard the snorkeling is amazing there.

Last time I went to Roatan, we did the ziplining through the mountains that ended up at a beach. It was amazing but I don't know if we'll do it this time. This port/area didn't seem like a good place to hangout and explore, especially for 2 women. Is that true?

I've been reading that the port at Costa Maya is fun but I don't want to be price-gouged just because we don't want to venture out. Should we do the 10-minute taxi ride to the beach town? Is there anywhere we can just hangout on the beach?

Thank you!