Best tropical vacation spot?

[Lady Dont Tekno]

Hey my girlfriend and I are just starting to think about planning a trip somewhere in between Thanksgiving and Christmas and I was wondering if any of you have any suggestions or good experiences. Also if you have any hotel/general travelling tips that would be appreciated. We were thinking about Bermuda or perhaps the Virgin Islands but we just started thinking so we're up for anything.

Some important things:
- Good beach hotels under $500/night.
- Fairly lively night life (clubs aren't important but bars and such are a plus).
- Drinking age under 21 (we're both 20).
- General beauty.

Any suggestions? Thanks in advance

LDT