Best hotel to stay in Maldives overwater bungalow with 3k budget?

Hello! I recently got married in September but we are planning a honeymoon at the end of March and are hoping to go to the Maldives. I know this question has been asked before, but I'm so overwhelmed by the hotel options and would love some help! Here is what we're looking for:

• Something that feels luxurious enough that it's worth the long travel, but fits within our budget

• food – my husband is super picky about food quality. We'd like something that has a lot of options and is good quality

• Half/full board or AI option – we have had a not so great experience at an AI resort in Jamaica 10 years ago (because of the food) and have been SO hesitant to try one again. But I like the option of not having to worry about the unexpected expense of food in trip. We are not too worried about drinks being included

I do have some chase UR points I can put towards our stay, but the best option would be to transfer to Hyatt, Mariott, or IHG and the only option that seems to have an OWB available with points is The Standard (a Hyatt property) – does anyone have experience staying here? I could cover all 5 nights with points, but I haven't heard much about it and the sea plane travel there adds a BIG expense

I appreciate any insight!! Thank you!

Edit: it's seeming like $3k total may be too limiting. We could do <$1k per night and I can supplement with my credit card points