The best holidays my late wife and I had were usually B&B in a good hotel in somewhere like Corfu or the Caribbean. Always hired a car so we could really explore the local area
The best all inclusive was Cuba. At most inclusives the spirits are local but in Cuba I could get Jamesons at no extra. I've never been a drinker but all inclusives seems to attract the dedicated.
We tend to do cruises now and all inclusive is definitely an option. Not big drinkers now, so tend to pay as you go on more British based lines, roughly pub prices and all inclusive on the more expensively priced US ships, $15+ per drink! We do the maths, way up the itinerary and how many sea days, then book.