My wife and I just booked our first trip to Mexico and we chose Excellence, Playa Mujeres based on the great reviews. We are going in February to get away from the miserable Baltimore weather. I have a couple questions and would love some feedback as this is our 15th anniversary get away...We booked a nice room and payed a bit extra for the EC, is this worth it? Any suggestions on the anniversary dinner? How fancy is the attire at night- dresses and heels the for ladies? How warm are the heated pools, I hear the main pools get cold in the winter months? Any tips on "tipping" the staff - go big early or just a couple bucks here and there? Should we exchange money to tip? How bad are the bugs this time of year? How prevalent or accepted is topless sunbathing? We have a private pool at home so it's not an issue for us. Not looking to offend anyone so are we better off asking for a RTT for this (upgrade there or before hand?) Most posts I read said topless was no big deal but they were fairly old posts. Anyone been recently that can advise on this?