OK, guess I have to chime in. Bahamias have always been a problem set for me, but since I bought "The Case", i have to keep the chips to fill it. Chipper-World problems...
With giant inlays, there's not much difference between considering the entire chip and considering the inlay only.
What initially drew me to Bahamias was the Millenium $5. I just love that chip to death. Given that chip as a base, I also love the contrast with the $1.
Unfortunately, I also really don't like the tame and muted $25. But then the $100 comes along and restores the Bahamian faith! Gorgeous chip!
The other $5s complicate the situation. I really like the Boys, since the overall darker blue tones come close to those of the Millenium.
The Dolphins are next closest in blue shading, but the composition is pretty dull. The Islands are a considerably weaker blue, with some distracting green -- OK only in a pinch.
But the Beach $5s lose the "blue" connection altogether, and to make matters even worse, they greatly weaken the contrast with the $1s. I wouldn't take them as a gift.
So my set consists of only Millenium and Boy $5s. I probably should have made a substitute $25 to eliminate that weak point, but other sets interfered, and I've never gotten around to it.
All these points make it pretty impossible for me to assign a single inlay rating -- IMO, the various inlays deserve the full range from 1 to 5.