Agreed. I would probably go for the BVI
. Contact Sunsail (whom I have used and can personally recommend), or some other charter company and tell them you want to charter a boat. They will likely ask you your experience. Tell them, but don't start going on about how you "only" have ASA
101 and 103. Just be factual. My guess is that they will let you take a boat without any problem.
They may suggest that you pay for a skipper for a half-day, or a day, so that he can evaluate your ability to handle the boat. If so, then that's what you'll have to do. No matter, it will be a great vacation