We cruised the Caribbean
with no problems at all using Navionics charts. For sure, no chart in the world exists that is correct in all locations but that is why Navionics empowered us with Community Edits. If you see a spot that is inaccurate you can actually mark that and update the chart. To do this use the community edits feature. This feature is accessed in different ways on different hardware
(different chartplotters) but in the app you just have to click on the spot on the chart, click the question mark and click "Edit Chart". Once you add the updated information the data is uploaded to Navionics (via wifi
once you get back within wifi range), the data is reviewed and then the chart is updated so that other users will get that valuable information.
As for having to download charts, it sounds like you got one of the chips that requires you to download the areas you're interested in sailing.
There are a few options for "plug and play" Navionics chips including Navionics+ and Platinum. The platinum chips include 3D images
and aerial photos which are really helpful for, say, when you're going into a port in you've never been. You want to see the inlet, the harbor, and the docks. The Platinum chips are perfect for that. And no download necessary. We just got a new Platinum chip and they are actually on sale
right now $30 off. Win-win.