In St. Thomas take the ferry over to St. John, then a cab to Trunk Bay. Absolutely gorgeous beach, snorkeling about 50 yds. off shore, all the amenities you need. In Tortola take a snorkel trip, we did 2 over by Norman's Island, good snorkeling. We also had a local cab driver take us around the island. He took us to a restaurant overlooking where the Caribbean and Atlantic meet, past a nice cove, to a beach on the northwest side of the island, showed us where Jimmy Buffet wrote Cheeseburger in Paradise, and was very reasonable. King's Wharf, the only place I truly remember on Bermuda was Horseshoe Beach, it had pink sand and was lovely. You can get on the local bus and it will take you all over the island. Have a marvelous cruise!
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