Deshaun Watson's out of the NFL playoffs, but don't feel too bad for the guy ... the quarterback is now on a tropical vacation, cozying up with his smokin'-hot girlfriend, Jilly Anais.

While the league's last remaining teams are duking it out for a spot in Super Bowl LVI, the Cleveland Browns star's mind couldn't be further from a football field ... as he hit a boat on Monday with Anais in an exotic location -- and clearly enjoyed the free time.

In video that Anais shot and posted on her social media page ... you can see she and Watson got really close on the ship's deck -- sippin' what appeared to be some champagne while soaking in the warm weather.