@Dan, I can't thank you enough for the fantastic and detailed response!! Per your rec, I just cancelled the Jakarta Airport hotel and booked Anara. I will be sure to bring a lot of cash for exchanging. I need to find out (maybe you or others know) whether I can tip the Arenui staff with a credit card; otherwise, I'll be carrying around a huge wad of cash!
Thanks once again, Dan. I have read many, many of your super-helpful posts in the past and hereby nominate you for Most Helpful Nicest ScubaBoard member!!