St. Thomas - you can do it better and usually cheaper on your own.
Pardise Point Tramway is withing walking distance from the ship. You can hire a cab for a couple of hours tour the island then hit the beach. If you don't want to go it alone, i would suggest looking into Godfrey Tours - they do a really good job.
St. John is beautiful- gorgeous beaches with great snorkeling. Do it on your own. You have to get over there by water taxi. Check out the islands web site at
www.vinow.com for lots of usefull information