What we do
Tortola - Taxi to Cane Garden Beach, awesome. I believe $8 one way via taxi located at the end of the pier. I have never been to JVD and have heard its beautiful, but I have also heard it can get crowded. Be we love, love Cane Garden Beach.
St Thomas If it's your first time you have to do Maegan's Bay, not tour needed . Just taxi and then admittance fee to the park. Very beautiful beach, but can easily get crowded, I mean crowded.
Now instead of St Thomas we do St Johns on our own. I have written this up else where but if you wish to get my details on how to do it please message me.
In the past we have done a private tour of St Thomas and it was OK. Very hilly and made us motion sick (up and down) but pretty views and ok shopping.
As said earlier CC is awesome on its own. Get there early and stay late, it is definitely the best day of the week.
This forum is awesome for details on your question. If you want other details, plenty of past cruisers have put their reviews on here, take a look around.
No matter what, Have a great time!