If you are out for a real maldives-experience/feeling and don't want to buy an island, book a waterbungalow on Thulhagiri Island. You get privacy, space, incredible views, private acces to the shallow lagoon (if you are lucky with some reef sharks, mantas etc....). It's an all inclusive island, and it's worth it. Additional meals and drinks might severely increase your holiday-budget!
The (poor) pool is just suitable for the kiddies. The A/C gym is well equipped - but who is going to the gym on the Maldives?!
Thulhagiri is just an 20 minutes ride by speedboat away from Male intl. airport. And yes, there is some air traffic going on. But compared to London Heathrow it's towards zero and not really embarassing! By the way, those who complain about the air traffic: how did they get to Thulhagiri? By rowing the boat - all the way from Europe, China?!