When reading this you have to understand, Turtle Inn is a spectacularly beautiful hotel right on the beach. The architecture is fabulous. The rooms are very simple and made of wood, which jives with the beach vibe well. The dining area and pool are beautiful as well.
That being said, I don't think the hotel is worth the money for the following reasons:
1) The beach front is pretty beat up. You stay at a beach front resort with the intention of spending time at the beach. The beach in front of Turtle Inn has a ton of sea grass and washed up debris. The water grows lots of sea grass, which makes wading slimy and snorkeling worthless given poor visibility. The beach front itself is also quite small. Walking in either direction you walk into fairly unattractive stretches of sand. Overall, not the best beach front experience.
2) Food gets a B. There are three restaurants. All three are decent and the three different restaurants provide a nice variety in dining experience. One is a "afro-caribbean" style joint, one is a beach grill, and one is a formal dining room. You can eat in each and get a nice variety. The food in all three is good but not a home run. Given the cost I was expecting a bit more. The biggest downside to the dining is that Coppolla wine is exclusive served. Given he is the owner this makes sense, but his wine just isn't that great. It's definitely not good enough to be the exclusive provider to a high end hotel. We stopped buying wine after our second dinner there.
3) Overpriced diving. You can go out with the dive masters at the resort, but you will pay a lot more for the exact same experience as that provided by the dive groups in town. We did the whale sharks twice and a regular two tank dive one day. One both days with the whale sharks we ended up clustered in with a large dive group from town when underwater, so the experience was literally identical to theirs. I had a similar experience on the two tank dive. All three dives were great and I recommend them. Just save yourself some dough and go with a larger group organizer in town. Dive guides are nice guys, so don't let this seem like a slight against them.
Overall, this is a relaxing, beautifully built getaway, but it definitely does not deliver the bang you expect for a top dollar resort that caters to international clientele.