Since I want every fruit in my town, I included a few banana and coconut trees on my beach. However, I placed them out of the way because I want to fill my beach entirely with hybrids flowers.
Here is the reasoning: Many months earlier when I was a more naive player, a mentally challenged guest wrecked my town. However, when posting about the experience, many members here and at another AC community offered to help replace the bushes and hybrids that were taken.
And one of the most generous offerers invited me to her town, then told me to pick as many hybrids as I want from her hybrid-filled beach. I was so taken aback that I lavished that member with rare items as gifts, and have made it a long-term goal to fill my beach with hybrids so that I can likewise help someone who might unfortunately get his/her hybrids stolen and town wrecked.