My wife and I did about the same thing in the 80's. My suggestion is to find someone you know or be sure that you get to know them before you meet at the charter boat
We were friends with a couple that had just enough sailing experience to be "approved" by the Moorings in Tortola...and BTW, it was not much. My wife and I took sailing lessons
before we departed to the BVI
for the charter
. The offer I made the couple was that I would pay for everything if they would teach us what we needed to know to handle the sailboat ourselves.
Long story short: We chartered numerous times, many with the same couple. We shared costs on all future charters. We bought a new yacht in the Moorings fleet, sold it after 5 years and financially favorably. We bought our current
Amel 53' and a year later I retired...we are currently 3/4ths of the way around the world having visited 47 countries on the way.
If you cannot find a friend for your first charter like we did, you might consider finding another couple like yourselves, then all take lessons. Moorings will provide a check-out skipper
for a day to make sure that you can handle it, and you will be off on your adventure. I think the best place to do this for your first time is to charter out of Tortola in the BVI
because most of the sailing is in fairly protected areas between islands and the islands are mostly less than 5 miles apart...very easy and lots of fun with predictable winds from the E to SE at around 15kts...perfect.
Hope this helps
Currently in Cyprus