That's because it's a 45 minute boat ride to the good dive sites from BA or HC. Longer when you stop to pick divers up. The way to avoid that is to become one of the divers being picked up.
Really? 45 minutes??? Well that obviously depends on what boat you're on. We get from the downtown pier to Palancar in less than 30. Aren't all divers picked up?
fishi:
Look into Sabor and a morning and afternoon 2 tank dive with Opal's Dream Dive Shop. I did a solo trip that way and found it to be more convenient than Roatan was. They make it pretty easy by keeping all your gear on the boat, and the dive sites are 5 to 10 minutes away.
Really, there are several very high quality shops that can a) pick up at Sabor b) store your gear c) get you to the reefs just as fast or faster
However, this combination does not meet the very clear criteria/preferences that the OP has stated. I could easily promote my shop here, but I know there are better matches for this particular diver. Cheerleading posts like the above are just that and diminish the credibility and usefulness of the board. Rather than cheerleading for your favorite operation, look at what this diver is asking for and steer him in the direction he is asking for.
While BA is not an AI, there is a very good onsite restaurant that is inexpensive and convenient. Depending on hte package you get, you may or may not have some or all meals included. Shore diving is available, it is close enough to walk or take a cheap taxi into town, and I think you'll find the vibe and convenience here very similar to Coco View in Roatan - but MUCH nicer and with far superior diving in Cozumel. You can do a package with their dive shop Blue Angel or you can choose another dive shop that can pick you up there.
SCC, is an AI in the respect that it includes room, diving and 3 meals a day, but not as much flexibility, larger slower boats, but also good shore diving and a land based live aboard feel. Also close enough to walk to town for more divng options and other activities.
Hotel Cozumel, can choose the AI option or not, Hinestly, you couldn't pay me to eat the food there, and the AI here would be a waste of money IMO - but to each is own. You can choose any dive op of your choice to pick you up here. The onsite, Dive Paradise runs larger slower boats unless you upgrade to the 6 pack boats which are uncovered if that matters to you. They will not keep your gear for you, but there are lockers to store your gear in. Shore diving here is not as good as BA or SCC. Close enough to town to walk.
Hope that gives a little more objective and non biased info for you to digest and help with your decision.