I will be coming off as you get on. We did your itenerary last year on the Rhapsody of the Seas. we loved it. I would definately get a shore excursion sponsored by the ship when you get to Roatan.
We made the mistake of just walking off of the ship and 'exploring' the city. We were greeted at the gate by a mob of people (was very uncomfortable). There was a child that offered to trade our shoes for a monkey.
Our dinner table friends went to Tabayana Beach and they loved it. They said it was the best beach they had been to.