I want to go for my 1st anniversary to the Maldives in early November. According to my sources these are the best hotels in the Maldives. Are they correct?

Have been quoted the following for hotels so far.

Right now I think I would go for the Taj. What do you Ft'ers say?

1. Taj Exotica Maldives Cost: USD 3762
2. One and Only One Resorts Cost: USD 5390
3. Banyan Tree Cost : USD 2800

Inclusions:
Accommodation for 4 Nights 5 Days on twin Sharing basis
Daily breakfast at the hotel
Return Airport Transfers on Pvt basis
All Taxes.

As you can see they are very-very expensive. Can you recommend any others which will offer me a similar experiance at lesser rates.