I have not been to Mexico, but I have been to Amanyara in T&C and, Post Covid, in Canuan in the British grenadines (Mandarin Oriental resort) . No one really dressed up in terms of bags or jewelry. The women wore dresses that were also pool wraps. The men looked like day laborers down on their luck. Very relaxed atmosphere. if I was at all worried about it, I would leave stuff like that at home. But, I agree that if you are simply staying at the resort (as we did), no need to take off your stack. I wore my VCA six motif gmop necklace bc it’s not blingy (no hardware or sparkly stones) and light. Btw, I never use a designer beach tote bc I’m clumsy with sunscreen, water, etc. i use a complimentary raffia tote usually found in the rooms which probably costs 5USD.