Without knowing your kids' exact ages, here's the honest take: Camp Creek Inn and Cinnamon Shore are the standouts at this tier. Camp Creek gives you a classic luxury resort with serious splash amenities (lazy river, 19-foot slide) plus the space to breathe—it's built for families who want resort structure. Cinnamon Shore flips the script: it's a master-planned community where you rent a home, not a room, and it's genuinely designed for multi-generational trips where your crew needs actual living space. If you're torn between "resort convenience" and "villa space," that's your real choice here. The rest are solid—Marco Island's calm Gulf waters are genuinely safer for younger kids—but these two nail the luxury-family formula differently.