If you decide to go the DSLR route instead of hiring a photographer, I'd recommend buying a smaller body and adding some decent glass.
For portraiture, I'd say go with a 50mm fixed lens with an aperture of at least 1.8. They go for about $150 from both Canon and Nikon (the 1.4 lenses go for $350-400, iirc - though the $150 should be good enough). There will probably be little telephoto shooting going on as well, so I'd suggest picking up nothing more than probably a 90mm lens, if you're looking.
One of my favourite lenses is for Nikon, it's the 60mm Micro lens. Shooting with a 2.8 aperture, you'll get some nice depth of field as well as a very fast shutter speed, especially if it's on a beach. You can use it for macro shots, obviously, but it also converts to a decent portrait lens if need be.
You might also want to take advantage of some retailer return policy. London Drugs has a 15-day no hassle return (so long as you don't break the item). So if you want to pick up a very nice lens for the wedding alone and then return it, you could probably do that as well.
Best of luck and congrats!
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