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camaraderie-
If they've owned a boat (sail or power) and spent time on the water, it would be a rare firm that would give them static about the BVIs. I've seen couples with 40+ foot cats motoring from mooring to mooring with their only experience being a Boston Whaler they owned for a couple years.
If one doesn't know how to operate the boat or doesn't feel comfortable going on their own, getting a captain makes sense. But, it doesn't take much to get the charter firms to toss the proverbial keys to a boat, big or small.
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