Re: BVI budget
The Baths are a must see. You can try for a day mooring but there are more boats than moorings, so you might circle for a while. You may then take your dinghy into the dingy mooring and swim into the beach.
If your budget can stand it and you'd like to relax a bit more, you might consider taking a slip at Virgin Gorda Yacht Harbour at Spanish Town. The slip fee will probably cost twice as much as a mooring (for a 40' boat) and showers are included. There is decent provisioning there and you can get water and ice for a fee. There's a casual eatery there where you can get simple fare but beware that this establishment is on "island time". You could hike to the Baths or take a taxi. We typically bring a backpack for towels, cameras, water, etc. and can take full advantage of the scene. You will find shops and a restaurant at the top of the hill by the Baths.
One of our favorite restaurants is "Top of the Baths", where you can enjoy a proper drink overlooking the Drake Channel and then have a great meal, properly served. It isn't cheap, but is fairly priced (maybe 50% more than Pusser's, which is not in the same league) for the this level of quality in the BVI. We would take a taxi back to the yacht basin if it's dark.