Have been twice, both times in January, the first time to Thudufushi, an Italian run all inclusive where everything was included from beer and food to all wines, champagnes, spirits, fags, mini-bar, treatments, and diving.
This island was tiny, you could walk around the whole island in about 10 minutes. No, really!
The second time was to Ari Beach, a much larger island, in which we stayed in the water bungalows. This was also all-inclusive, but much much stricter - food, beer and wine was included but everything else was extra including (and I could never quite understand why) the beer in the mini-bar.
I have to say though, I went solely for the Scuba diving (am an avid diver), and were it not for the diving I think I would've been bored stupid as I'm not a sunbather.
The Maldivian Air Taxis were excellent - it took 1/2 an hour in the air taxi, but would otherwise take about 4 - 5 hours in a dhoni.