Wow, thanks everyone. fallard, you have shared some invaluable info. Those Island Packets at Island Yachts are beautiful boats. I'm liking the idea of chartering out of St. Thomas. Thanks again.
If you haven't already been to TTOL (traveltalkonline dot com) you might venture over there and read more comments from people who have chartered in the area recently. The USVI and BVI boards are pretty active and you don't have to join to post or search.