We just got back from the BVI's in November. We used the Moorings and had an absolutely great time. THe Mooring have newer boats and better support than Sunsail and Footloose. As the boats age they move down from Moorings to Sunsail and then into footloose. Saving a few bucks is great but Moorings WILL be there quick if you need assisitance ( head breaks, windlass dies etc...) The last time we went we had a 47 foot Beneteau which was great! 3 couples ( boat got smaller by the day but there is a lot of room ). The year before we had a 47 foot Catamaran which was outstanding even with 4 couples. If you have the option and already sail your own Monohull at home I would go with a cat. It is vacation and you can't sail at night so there will be a lot of down time. The moorings and any other charter company really gets you on provisioning. There are grocery stores close to the moorings base that can save you almost half. That is what we are going to do next time. Diet Coke is like liquid gold there as well if you are a fan of that with a splash of rum stock up. You can bring it on the plane. Most everywhere is really casual. The first time we went we brought nice go out clothes. Just took up space, one outfit will do it. Shorts, a sweatshirt for and night and bathing suits are the only thing we bring now. Make sure not to drink the tap water. One of our crew decided to make coffee with it and we paid dearly. Stick to bottled water. The BVI's is a magical place. Make sure to hit Ivan's on Jost Van Dyke. It is the most relaxing place I've been. Anagada is great too. Make sure to hit Foxy's as well. Pretty commercialized but still lots of fun. Beware the "Fire Water Rum"! Good stuff but has a price the next day
The Islanders are very friendly, some of the men are too friendly. I had to have a little chat with some of Native's about crossing the line. It is not unsafe just be aware.