Hi,
I can tell you something about Kotor. As you probably know there is a beautiful old town. You can visit it in relatively short time, and then to go to Perast, a wonderful place about 20 km away.
About beach clubs.. There isn't really some good offer, few small ones and that's it. But disco Maximus is a place you must visit. www.discomaximus.com
Many people say it is the best one on Adriatic coast.
About national parks. I think both of them have something to offer, but I'm not quite sure if there is an organized tour for Skadarsko Jezero. I prefer Lovcen, you can be on mountain in just one hour from Kotor (take the old road, there are some incredible views). And I think they have an organized tour.
Rafting on Tara river of course, contact user Octavian on this forum, he organizes that.
I hope I helped you.
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