I've heard a lot of good things about the Barcelo Bavaro Villas. It's a 3.5*** resort, just like the Riu Naiboa. It includes three resorts: The Ocean Village, The Village and the Villas. I also heard that the Villas are the oldest part of the complex but you have access to all three, and you can request a room in either the Village or the Ocean part of the complex. You can get a good review of the complex if you look at the section 'Resort Reviews' on Debbies site. The reviews for the 3 hotels are all under "Bavaro Village Beach Resort" at:
www.debbiesdominicantravel.com
And I think that being budget minded is being smart. I've been to 4**** and 3*** and I did not see a big difference between the two. As long as the place is like PJT mentioned: decent clean rooms, pool, buffet style meals, enthusiastic animators, entertainment, and you have a good bed, what more do you want. At Barcelo Bavaro Villas, you share the same great beach. Not all North American like to throw their money out the window. Some of us work hard to afford a vacation in beautiful DR and can do it every year by being budget minded. Hope you a nice trip. We will be there this winter.