You will have the pictures forever, so it's worth spending the extra money - I mean the scenery/backdrop is part of the reason you're doing a DW in the first place, right? And I would say not to just rely on the hotel photographer either because you don't know if their style will suit your tastes
I don't think there are any like that - even the ones where you get a "free" wedding, there are tons of extra costs, and particularly if you have over 25 guests...
I'd say go with a travel agent, but make sure you do your homework firs!! I've have had 2 terrible ones so far, and am now stuck with the 2nd one. It wasn't until after we had paid our deposits that I started to find out about some way better local agents
We're patying for our own as well - but it's not as cheap or simple as I initially thought it would be, but I think it's still worth it in the end on both fronts compared to a wedding at home
The NOa Amber and Secrets are side-by-side in PV, and one if fid-friendly, the other is adults only...you can even go to the restaurants in each of them no matter which one you are staying at, as long as you don't have kids with you