Caribbean luxury is stratified. Aman, Rosewood, Como and Belmond hold the top; Rock Resorts, Mandarin Oriental and Four Seasons sit under them; independent villas cover the rest. The honest read is that the Caribbean overprices its middle tier and underprices its top tier; a $2,000 per villa night at Amanyara buys a very different property from a $2,000 per villa at a middle-tier Anguilla resort. We rate for beach quality, food, service, house-reef access and honest rate vs peer set.