Bayonne is absolutely hellish to get in and out of by bus. The traffic is so bad that it took my party of 6 over 6 hours to get there and over 7 hours to get back home to Massachusetts! The check-in process was quite good, but we arrived so late we missed the buffet and went without food until the late seating.
King's Wharf is necessary because the ships are so big they cannot get into Hamilton. This is a shame as Hamilton is a beautiful little city with all the charm and character which is lacking at King's Wharf. There are ferries to Hamilton and St. George's, but the cost in time is rather high. Access to the premier beaches is limited to taxi (expensive) or bus (cramped and hot - no a.c.). There is a beach at King's, but it is a commercial venture and costs money to use. It is essentially a shallow inlet with a man-made beach. Amenities cost as well. There are shops at King's, but not the excellent stores and shops found in Hamilton. One really doesn't experience Bermuda unless you visit the capital city. At King's, about all you get to see is the site of the old prison and dockyard. That is not the Bermuda that everyone raves about. Bermuda is a virtual paradise - you won't find it at King's.
Phillipsburg is a charming place, but it is essentially a shopping center predominated by jewelery shops which follow one on top of the other in the main street. There are open market stalls where you can purchase shirts, hats, native trinkets, and other exotica. The merchandise is available for haggling. It is expected. Again, all designed to empty your wallet. The island is quite beautiful and has the exotic distinction of being half Dutch and half French. Orient Beach on the French side is worth an excursion visit - weather permitting.