HHJ has pretty much covered it. My wife loves Cruz bay. St Thomas is ok but the Cruise Ships make it quite crowed. What we do is when we leave VIP we have the taxi drop us off at the shopping area in St. Thomas. He returns or waits when ever we ask him to. We have sometimes left our luggage with him (VIP knows the drivers so we don''t worry), or we have dropped them off at the air port and gone back. Only a few miles........
On ST. John you can have a cab pick you up at most any anchorage and take you to a restaurant, a couple are with in walking distance but you won''t see them from the water. Need to ask when you land. At Jost Van Dyke and some other anchorage (see the cursing guides) they are on the beach.
Sopers has some nice shops and restaurants when you check in to the
BVI''s. However none of them are day affairs. Couple of hours at most.....
snorkeling and relaxing normally take precedence even for a shopper like my wife.