I cruised on the Ecstasy back in Feb. with a friend of mine. We're single, 30's and like to have fun. We are no strangers to margaritas. 
In Cozumel we did the catamaran and snorkel excursion that was followed by a beach party. The catamaran was nice, the crew was super fun. The snorkeling was a little disappointing. No reef, some beautiful fish but not many varieties. The "beach party" is kind of a misnomer. There were kayaks and floats, a grill, beer. No band, contests, etc. It was relaxing. On the way back to the ship the catamaran played loud music that a lot of people danced to, had free beer and margs. This excursion isn't kid friendly and my parents would hate it. In a nut shell I would recommend this excursion but I'd do something different next time.
In Progresso we decided not to do an excursion. We caught a van cab at the pier for $1 each which was a 10 min ride to town. We walked around, shopped, didn't buy a thing. A lot of the things they were selling looked made in China and the town reminded me of the Texas border towns. (Cozumel was nicer.) We walked to the beach and into the Corona Beach club party which was really fun. The people who'd paid for the excursion were drinking free unlimited Coronas. Again, I wouldn't recommend this one to my parents but I'd pick it over shopping for sure.
A young couple we met on the cruise went to a resort in Progresso and said they really liked it. I thought they said it was $40 but the only one I find online is around $75.