We just finished a cruise on Carnival's Valor. Great cruise, incredible ship. Stopped in Belize (yes, cave tubing!), Roatan, Grand Cayman, and Cozumel.
We enjoyed both Belize and Roatan, and neither of these stops had the typical 1mile buildup of tourist/shopping center around the port. We did shore excusions at each stop which allowed us to get away from the port and really see some of the area.
I would warn people planning on booking in Roatan to beware of Subway Watersports. We had a terrible experience with them...nothing like what they're website described.
Having said that, Roatan is a beautiful place to visit. We managed to see some of the various resorts around the island, and will do more research for a potential follow-up land visit.
3 cruises, looking for the next one.