The Maldives is sold almost entirely on photographs of one villa over one lagoon, which is a shame, because the interesting decisions are elsewhere: which atoll, how far from the airport, house reef or boat diving, resort or inhabited island.
We book both ends of the market. A guest house on a local island costs a fraction of a resort and puts you in a village; a resort buys you privacy and a reef on the doorstep. Plenty of trips do a few nights of each.