I was in Bermuda this past summer- We docked in Hamilton and St George. They have an amazing bus system, and you would be able to take a bus to the beach of your choice. I highly reccommend Jobsons Cove, as it is very secluded and relaxing (a perfect way to spend your first day in port).
As for shopping, Bermuda is pretty expensive. That is because everything has to be imported there. The shops near the dock had prices and items similiar to the cruise ship.
NCL Dawn 6/21/06 Bermuda
10/30/08 X Constellation Caribbean
Costa Fortuna 3/08 Eastern Caribbean
Costa Magica 2/07 Western Caribbean
HAL Noordam 11/06 Eastern Caribbean
X Zenith 6/06 Bermuda
HAL Zuiderdam 5/05 Western Caribbean
HAL Maasdam 6/04 Canada/New England
CCL Triumph 12/03 Western Caribbean
CCL Victory 11/02 Eastern Caribbean