Is it really like that? It sounds, truly, like paradise. There HAS to be a catch. How big are the mosquitoes, tarantulas, carnivorous ear worms, bees, ants, snakes, etc?
I grew up there in near rain forest area (just slightly short of the technical rainfall requirement). There aren't really any poisonous snakes on the island, just one type that has mildly irritating saliva (I caught and got bit by lots of these as a kid, barely noticed). Depending on which micro-biome you are in, there can be lots of mosquitoes, or not many at all. Where I grew up, there were very few probably because of all the predators (and most of the water was moving not standing). Caught a few tarantulas growing up, never got bit. There were some pretty giant centipedes where I lived but I rarely saw them, never got bit. A few bee stings, but nothing too bad- but wasps... hate those f**ers.
Lots of catches. Many places have bars on windows, those pristine reefs are surrounded by areas with unexploded munitions, tons of bugs, roads that are not necessarily safe for cars, etc.