Your bio says you live in Chicago? During the winter you will have to travel a distance to fill your requirements of sunny. Better chance of finding those requirements cheaper in a warmer time of year.

I would choose a rustic cabin on a lake personally...I love country & wilderness even if I have to cook for myself. Lake gives you a quiet calm beach which I like also. I traveled to Cabo San Lucas for a long weekend with a group from work years ago. Warm, nice beach on the sea of Cortez side but the waves on the pacific side were large, rough, & dangerous. The sand flees were nasty also....miserable if not in the water snorkeling. I personally prefer pool side relaxation if not enjoying a rural lake experience