Expect white-sand beaches, crystal-clear water, and romantic resorts—all at a lower price.An aerial view of a couple standing on a beach in The Seychelles.Credit: fokkebok/Getty ImagesFor decades, the Maldives has reigned as one of the world’s most coveted vacation destinations—especially among couples—beloved for its overwater bungalows, clear turquoise waters teeming with marine life, and soft, sugar-sand beaches. But while the Indian Ocean pa…