We were there from 12/31-1/6/07. We took a private tour to Xel-ha and Tulum. We were 2 adults 45-50 years old with 2 older teens.
We all had a great time. Xel-ha is wonderful. I swim, but am not a confident swimmer. But at Xel-ha they have life vests to wear, which they recommend for everyone. I had the best time snorkeling. It is commercialized in that there are restraurants and bars and shops, but it also very natural and I think a national treasure for Mexico. The river and bay are really great. I didn't do any of the other things that cost extra, but snorkeling and see the cenotes took a big part of the day.
We had already been to Chichen-Itza and Ek-Balam, so Tulum was was fine. I think if you haven't been to other ruins, then do go see Tulum. Be aware much of it is roped off. Next time, I'd rather spend all day at Xel-ha.