We've have been to St. Thomas on cruise ships 4 times and once when we stayed in San Juan for a week. Each time we rented a jeep and did many, many wonderful things on our own. We didn't have to fight the crowds. We went to Meghans Bay, Mountain Top where you can get the best banana daquiri (they were invented here). The view from Mountain Top is breath taking. Jewelry shopping is also a must. You can get jewelry at a very reasonable price and when you get back to the US, the appraisals are always for more than you paid.