My wife and I did this just three weeks ago. It was great. The nurse sharks stay along the sand, so you will see them swim by every now and them, but to try to get up close is tough. Believe me I tried to dive down to get a good close picture and with the speed they travel I almost lost the oppurtunity to get any picture. They rays are also docile, I dove down to get some close up pictures as they came right up to me for a gentle rub. We did the lunch and sightseeing which involved heading to San Pedro and eating at a local restaurant then being turned loose to shop and see the island. I understand the beach aspect just to you to a local beach for a picnic lunch and let you go shop. I recomend doing the sightseeing trip, because after being in the sun, you will relish the time in the shade of the restaurant. Being so close to the equator, the sun can be harsh at times.
Are you going on the Galaxy? That's where we were. Fantastic cruise, very relaxing