Actually, all of my best suggestions for those things are in the article above. One challenge you’ll have is that all popular tropical destinations have their peak weeks at the end of December because so many people in cold areas have that time off. So flights to Central or South America are going to be fairly expensive, although buying soon can help. For hiking and views I think Costa Rica could be a good choice, or Nicaragua. You could also go to Bariloche in Argentina, though it’s probably not worth going all that way unless you were also going to spend some time in Buenos Aires and such.
The Bali thing is also kind of a mess for those on low budgets. Kuta is a headache, and pretty much the opposite of what is so beautiful about the rest of the island, but it’s also where nearly all the really cheap beds are located. If you go a bit north in that same area into Legian and Seminyak, it’s nicer, but prices also go up. And Ubud is nice, but also more expensive for hotels and such. I’ll probably rent a place in Seminyak for a few weeks, which won’t be cheap.
There are always those travelers who celebrate the end of summer and the opportunity to don a sweater and take out the wool scarves and quilted jackets. For them, Iceland would be a perfect destination, with a chance to see the Northern Lights and adorable sled dogs. Montreal is another place with a winter chill, and at the end of the month, you might even find an early Christmas market. San Antonio gets into the holiday spirit at the end of November as well. Sedona offers chilly nights and gorgeous scenery, while Hilton Head Island still enjoys autumn weather and activities.

Based on your description, you definitely want to go to Costa Rica. The neighboring countries have many similarities, but Costa Rica is the shining star in Central America for tourism. They have endless national parks and nature sights, but also lovely beaches and adventure activities. The area in the north around the town of Tamarindo is the more luxurious part of the country, but there are many other beach towns on both coasts that could work for you. You will also probably want to spend one or more days in the Arenal volcano area, which has many other great activities. The Caribbean coast is more laid back and less family oriented, so better to focus on the Pacific. Have a great trip. -Roger
Either way, my favorite warm-weather destinations near North America are San Juan, Puerto Rico, Playa del Carmen, Mexico, and Puerto Vallarta, Mexico. All 3 of them have very interesting towns that are also on lovely beaches so you have nightlife and culture mixed with beaches and water sports and whatnot. You might get low 30s for daytime highs in October, but it cools off in the evenings and it’s pretty nice. Let me know how that sounds and if you have other ideas I can add more information if you like. -Roger
It looks like you’ve been to most of the more popular options for winter holidays already, and since you listed them I assume you want to go somewhere new. The one that is missing, which I think could be perfect for you, is the Guanacaste area in northern Costa Rica. The weather will be perfect and you should be able to get a reasonably priced flight into nearby Liberia Airport. There are a variety of smaller towns along those beaches, and Tamarindo might be the most famous. They offer a mix of traditional hotels and resorts in smaller towns along with newer 4-star and 5-star hotels on large properties that tend to be away from the towns. The weather will obviously be similar to Panama, as long as you were on the west coast. Costa Rica is the adventure capital of Latin America and one-third of the country is national parks, so there is plenty to see and do. There isn’t much history there, but you can’t have everything.
Located off the coast of East Africa, the Seychelles—an archipelago consisting of 115 islands—is about as close to paradise as you can get. Crystal clear water, lush jungles, and powder-fine sand make it the ultimate early winter escape, particularly for romantic getaways. Book one of the 30 breathtaking pool villas at Six Senses Zil Pasyon, which is among the region's top luxury resorts. The hotel is situated on a private island that offers prime territory for snorkeling, sailing, kayaking, and hiking—plus, the spa has scenic pavilion-style treatment rooms that are worth the trip alone. Health conscious guests will be particularly impressed by the property's new "Eat with Six Senses" program, which is intended to make travelers leave vacation without the guilt that comes with overindulging. There are four tailor-made treatment plans that focus on sleep, detoxing, fitness, and more, depending on the issues you prefer to address.
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