Embarkation was a breeze. A work pal and I took different modes of transport to NY. I was afraid that Ernesto would hamper air travel from DC, so took Amtrak, she kept her flight without any delays or problems. We met at the pier at 11 am and were on board by 1:00. (The ship was 2 hours late arriving. We did hear that folks arriving later than us waited in line for longer). We first ate at the buffet on the 12th floor, then went on a self guided toured of the ship. We were able to make reservations for the gourmet restaurants in the lobby, which was quick, painless and easier than traveling to each restaurant.
St. Thomas: I took the excursion which offered a ferry to St. John and then a bus ride to the National Park. Not to be missed it's gorgeous. Rain showers put a damper on swimming the full afternoon, but it was well worth the time and cost.
Tortola: Took an excursion to the beach, Garden Bay. It was delightful! I loved the water; there were stands to purchase trinkets at the beach. Outside of the pier, there was a straw market set up on return from the excursion. Again, trinkets were available for purchase. I found the sellers willing to discount items.