Some of the more recent brides will be able to answer the fabric question, but back when I got married they did not have colored fabric for the hammock ceremony site, they did however have colored bows for the chairs and linens for the tables... but you have to pay extra for them. I brought my own down, it was very cheap.
You do not have to get the DJ, you can get an ipod docking station, although I do recommend the DJ.
Photographers, the price can sometimes end up the same, although it can be cheaper to fly one in. The big difference is what you get for that money. The resort photographer, you get 160 images for the same price that you'd fly in a photographer for full day coverage and 500-1000 images! Many people even have engagement photography sessions, rehearsal dinner photography, or a day after (trash the dress) photo session with the photographer they have flown in.