I've heard that RIU doesn't allow outside photographers, and over $1000 seems expensive for the resort photographer (more normally around $500-$800) so you would want to look into that and at least make sure you can see the work of the actual photographer and they aren't giving you a bad deal bc its your only option. I could be wrong, but we didn't really look at RIU because of we heard of their photographer rule. Also resort photographers generally do not have a reputation to uphold so you might not get someone that is putting their heart into it, as they probably are getting paid much less than the money you are paying the resort.
Anyway, we are paying $3500 for coverage with the files. It's probably cheaper if you don't want an album but we wanted one. The photographer is traveling down for us and that price included travel. Heres the website if interested Tait Fine Art Photography