I've read a lot about people going to Tabyana Beach without any problems. Roatan indeed has a different type of taxi system for sure. We negotiated for a small bus as we had 14 in our group plus scuba equipment. Our driver stayed with us the entire day, even going by boat with us to the dive resort. Bullfrog makes their Mosquito Coast sunscreen with built in insect repellent. You can solve two problems with one application. It is DEET free though. The worst thing about no-see-ums is you don't know you've been bit until later.