It's been a long time since I've been to BVI, but, I was in Baja the week after Thanksgiving last year (2008) and it was fantastic. The water was warmer than Croatia or Greece in August and the setting was beautiful. Unfortunately, for our week there was little wind after the first day.
Now, the real attraction is the nature. We swam with the sea lions twice off of Los Isolottes (no guide needed) and had a great time exploring the mangroves, cactus forest, and lagoon on Isola San Jose. Snorkeling was pretty good with regards to fish, not great for coral. We also were pretty successful catching fish.
I've just created a blog site (bareboatingtheworld.com) that has a lot of details for this trip including a google chart of our anchorages, photo gallery, and daily log. I written some area insights with regards to before departing, provisions, living aboard, and sailing stuff. check it out and if you have any questions don't hesitate to ask.
(sorry this is the first of many posts and they will not let me hyperlink yet).