J.P.
We spent a week at the Ritz and it was THE BEST VACATION OF OUR LIVES. The staff was amazing and we spent most of the time on property, swimming and hanging out. We did venture to the store once, but found it was cheaper to just call down to the concierge and have them shop for us. When we returned to the room, our fridge was full of food....and we had been at the beach. It was awesome.
The island is small and downtown, where the ships come in to port, is busy and not as clean as you'd think. Before you head into the port area, make sure no ships are coming in that day....it gets WAY too busy.
Megan's Bay is a MUST...gorgeous. Spend the day there.
We chartered a 53' foot boat from Blue Tang Yacht Charters for the day and went over to quiet coves to snorkel. We had lunch on Norman Island, which is the island that is believed to have inspired Robert Louis Stevenson to write Treasure Island.
I would just stay put and enjoy the tranquility of the island.
Get food on the way in, since you have no idea where the stores are and it will save you money. We brought an entire suitcase of food with us, things we were pretty sure you can't get there.
I'll try and find the name and number of the guy who drove us around. He was really good....and not too expensive.
PS Make sure you have your passports, if you decide to go to the British Virgin Islands.