Palms--I'm pretty sure the OP intended to go to an All-Inclusive--like the ones Guanacaste/Pacific coastal areas, so most of CR's iffy weather is elsewhere.
Except--RAINY season!

The best ones at LIR are oCC Grand Papagayo (not the reg one) or Paradisus--there's a new one (Hilton/Hyatt??) but no info.

Sounds to me like white sandy beaches are in order anyway--so the "affordable" fine resorts are gonna be DR or Riv Maya--best bang for the dollar (or Euro!)
Riv Maya--fly CUN, turn right...HEAD past Playa del Carmen. (valentin imperial is highly regarded)
DR--pick an airport--any airport--and drive or get transfers. You'll find 5 star stuff at all the major beaches.