BVIs all the way... Tortola, St John, Jost Van Dyke, Norman and Peter Island all have great spots to snorkle.... Google the Baths... cool place
I have done several bare boat sailing charters and love the BVIs. Foxeys on Jost Van Dyke is a great bar to listen to steel band music and tie one on.
I have always done the boat thing so am not sure about where to stay..
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