We walked to the Money Bar. It took 35 minutes and was an easy mostly sidewalk. Great place. No charge for the loungers, washrooms and showers. They expect you to buy food and drinks which is fair. No hard sell. Food and service were A+. We snorkeled . Amusingly various ship excursions come here to snorkel just off-shore from the Money Bar. We brought our own masks and fins but you can rent. The rentals are crappy and there is a $15 fee.The rest was great.
Went to Fort Zachary Taylor Historic State Park which was a 15 minute walk from the port. Nice place with a pleasant beach. We spent the rest of our time walking the main tourist area. As tourist areas go, Key West's is very nice with great food and shopping plus lots of interesting spots.