I'm in Panama City for now but will fly down to Tortola in early December with a one way ticket. Plan on staying down for as long as it is fun and probably move down the island chain over the next few years on a slow cruise.
Are you sailing out of Pensacola? What is your destination/ schedule? I'm spending most of my time in the British Virgin Islands but also spend a good bit in the USVI around St. John and St. James. Plan on hitting the Spanish Virgins some time about March or April depending on when the Northern Swells and Christmas winds subside.