On our cruise in 2003, we did all of the excursions on our own. In St. Maarten, we rented a car at port (about $55) drove to Dawn Beach for a short visit which extended into a longer visit due to a flip flop incident, visited the butterfly farm, drove to Orient Beach for the afternoon, stopped at Paradise Point for some gorgeous views, and ate at where else with kids but Burger King. We headed back to downtown where we did some shopping before heading back to the ship. All in all a wonderful day. At St. Thomas we did a Godfrey Tours excursion. I had read about him on the cruisecritic board. For $20.00 p/p he picked us up at the ship, dropped us off downtown for some shopping, then took us on a driving tour of the island. He then dropped us off at whatever beach we wanted to go to for a few hours before taking us back to the ship. He was very professional and did a great job. Whatever you decide to do, have a great time.