Great Stirrup Cay - tendering was fine, I was worried about line ups but was quite organized. We got there early and spent the day on the beach. We had our own snorkel gear and went out to see a scattered shipwreck in the cove. The ship provides a lunch etc on shore. Very nice beach and setup.
Nassau - did our own excursion to the zoo. More birds than other animals. $4 per person each way from cruise port (5-10 min ride). Adult admission $16, kids $8 (10% discount with MasterCard). Much cheaper than $50 per person via excursion. Good for 2-3 hours. Public Beach within walking distance from cruise port. Shopping is very limited for brand name/luxury items other than watches, sorry spoiled by St. Thomas, Grand Cayman and Bermuda.