In St. Thomas, if the Magic is scheduled to anchor, the place where the tender drops off is in the same bay area as the port, you can see the port across the bay, however the walk on land is a good ways, at least over a mile.
Picture a horseshoe and the port is on one of the tips and the tender drop off area is at the top of the bend. This area is where the shops are, the outdoor market, lots of cabs, etc. However, if you're renting a car, you have a nice hike to the port to the car rental as well as to the tram.
It has its advantages, the view of all of the ships in port and in anchorage is spectacular. There are usually several ships anchoring, the inner/outer thing probably relates to where in the area they are designated to drop anchor. Some ships are closer into the horseshoe, some drop anchor a little further out. Also, when you're on board, you have a great view of the ships coming and going. It'sa fabulous port, lots of activity. When the Magic first began to go there they anchored and tendered often, I think they have a little more seniority now and it's not often they have to. Maybe only during certain months of the year.