I agree with Jag. Everything that I've heard, my own experience in the Visayas and PG, the things that you are looking for all point towards the Dumaguete area as being a prime choice. I liked Moalboal also.
Based on your criteria, I wouldn't pick PG. There is no ATM there. There was a guy on the ferry when I was on my way back from PG last week and he was going to Batangas just to use the ATM there. It's also relatively expensive compared to the Visayas. I talked to a guy when I was in Moalboal in November who was only paying $250 a month for an apartment right on the water. He told me how much he enjoyed sitting on his deck in the morning drinking his coffee
Based on your criteria, I wouldn't pick PG. There is no ATM there. There was a guy on the ferry when I was on my way back from PG last week and he was going to Batangas just to use the ATM there. It's also relatively expensive compared to the Visayas. I talked to a guy when I was in Moalboal in November who was only paying $250 a month for an apartment right on the water. He told me how much he enjoyed sitting on his deck in the morning drinking his coffee