Well this is an older post but I noticed that noone answered your question.
We went to Grand Palladium in Jamaica. We had our 9 year old DS with us. This was one of my concerns. Didn't want him to have that much of a culture shock LOL
There was not one bare person that we seen. Yes there is an adult beach where topless is permitted, but it is really out of the way to get to it.
It was an AI resort and absoutely wonderful!! If you are looking for a sandy beach getaway this may not be for you though. It has man-made coral beaches, but man it had some amazing snorkling!!
Would we return, ya-mon!