We chartered in Belize last summer. If you like anchorages with no one else around, deserted cayes, solitude, great snorkeling/diving, and not many restaurants/amenities, Belize may be just the place for you. If you want restaurants and bars close by every night, Belize is not for you.
If you charter in Belize you have to stay inside the reef. Lots of very close cayes that vary in size from tiny with only a couple of palm trees to big with mangrove swamps. A few of them have small resorts but most are more wild. You cannot go outside the reef to the atolls without a local captain.
We hired a local captain with our Moorings charter and he was excellent. He cost us $125 a day and he did all the cooking. He also acquired lobster, conch, and fish for us through barter. (The best was a bucket of conch in exchange for charging a cell phone.) We fished but mostly caught barracuda. We usually gave the barracuda away to the Coast Guard (good karma) or other locals. We hired a captain because we wanted to go out to the atolls.
What ever you decided, good luck. If you have more questions about Belize, I will be happy to answer them. I know Belize quite well as I have been spending 1 to 2 months a year there working for the past several years.
"When in command, command." -- Admiral Nimitz
Difference between a power boater and a sailor out on the water: A power boater is going some place special, a sailor is already there.
s/v Zotz 1981 Pearson 365 Ketch Hull #375