Cozumel snorkeling - Money Bar or Palancar?

[WisCruiser2]

Going to be our 2nd time in Cozumel. 1st time we went to Chankanaab & enjoyed it but want to try a different beach for snorkeling. We probably will just do shore snorkeling although I see that each place has "tours" too -- are they worth it? DH & I are in our 60s, like to just float around & see what we can see, along with spending quality time in a lounger on the beach :D We bring our own equipment so won't be needing to rent any.

[skittl1321]

We thought the snorkeling at Money Bar was fabulous, but I don't have experience at your other option.