Hi Jim,
I've done Bermuda a couple of three times and it's a pretty nice place. I'm not sure if you're aware of this or not, but tourists/visitors are not allowed to rent cars and their city buses do not allow luggage on board... so you're kind of strapped to getting a taxi or bus to and fro.
For getting around once situated, you can either get a taxi....or hop on the
city buses which take you completely around the island. They run non-stop so after purchasing a 1 or multi-day fare...(I believe you have that option), it's very inexpensive...but you do have to wait at the bus-stop for the next bus @15-20 minute intervals based on how you catch it....like Dangles said, "colorful"....LOL, plus you get a chance to talk to the locals in regards to what's going on and when....
One place that I would definitely recommend for dining, and it's exactly as you detailed....would be
Wahoos. Very down to earth, good food...great atmosphere.
You may want to spend a couple of hours at the
Crystal Caves...you or your wife may find it "cool"...again, their local buses will have bus-stops near this area so you don't have to get stuck paying a dedicated taxi nor paying for it excursion style.......another funny sight is one of the smallest draw-bridges in the world....it has an 18" timber-panel that gets opened or drawn just providing enough room for a mast to get through...(The Somerset Bridge)
In regards to a beach, I HIGHLY recommend
HorseShoe Bay. It has an incredible beach along with a smaller ocean pool-like area (cove) protecting you from the ocean. It also has a bar & grill with decent table-fare. You can rent chairs/umbrellas right on the beach...The bus will leave you at the top of an extremely long hill....however, for $1....someone will bring you up or down the hill.
.....you may laugh at that now, but you'll be paying it once you see the hill (especially after spending a long day at the beach).
I chartered out
ParadiseOne and although the fishing wasn't stellar, Delvin and his brother Allen are very good at what they do. The boat/equipment and over all time was exceptional. I would recommend them for a shot at some Wahooooo or other local fish, if that's in your budget. For that, I had to talk to a taxi driver and coordinate a pick-up time as the buses don't run as early as the fishing does....
Good Luck Jim.....and more importantly...HAVE FUN!