Both options can be luxurious, but they solve different travel problems. A resort reduces movement. A yacht makes movement the point.
Choose a resort if you want one polished island
A resort works well when you want a fixed villa, established restaurants, spa infrastructure and a simple daily pattern.
It can be the better fit for couples who want minimal planning and do not need private use of the whole environment.
Choose a yacht if the group values privacy and variety
A private yacht is strongest for families, groups of friends and celebrations. You unpack once, but your view, reef, sandbank and anchorage can change each day.
You also avoid sharing boats, meal times and excursion schedules with resort guests.
How to compare proposals honestly
Compare the whole scope, not a single headline figure. Resort extras can include transfers, dining upgrades, excursions, diving, service charges and multiple villas.
A yacht charter proposal should make private use, meals, transfers, Dhoni support, route planning and optional requests clear before you compare options.