Just back from our cruise. Belize - well, probably worth seeing how poor it is even if you don't go on a tour. But you have to be "strong" to get past all the vendors that are waiting to "greet" you.
Roatan - paradise in danger of being developed. Highly recommend Banarama for diving/snorkeling. Terrifice staff and facilities. Hummingbirds, too! My husband, an avid diver, had "the dive of his life" in Roatan with Banarama.
Ron hooked us non-divers up with Mayan Princess for horseback riding. Our tour guide was Freddy. He doesn't speak English, but is taking lessons. He was just great with my 8 year old granddaugter. For $25, we saw a part of Roatan most people will never see.
We wanted to tour with Coral Reef Explorer, but the weather was not favorable. We'll hook up with them next time.