The adventure was my first cruise as well... You will have a ball!
In st. Maarten, rent a jeep and drive around the island. stop in Marigot, eat lunch in Grand Case and spend most of the day at Orient Beach...
In san juan, i would suggest you to take a cab to old san juan and pay 5$ to store your luggage. then you can walk around, it a very nice city... St-thomas, I went to the aquarium and stayed around town , but most people headed to trunk bay. I think we should of done that too. I cannot suggest anything else as we went on the aruba-curacao itinerary... You can do most of the excursions on your own, as I find the prices too be WAY TOO MUCH with RCI... Those are safe islands, you should not have a problem at all. Also you can find people selling tours right on the dock, you may save money there for sure...
Hope this helps...
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