I agree with Petunia regarding an AI. St Thomas has so many venues to choose from, that it would be stiffling to do a AI. AI's are always in the best interest of the resort and not the guests. Whenever, I leave St Thomas, I always feel like I never had the opportunity to try all the venues I had planned on. It is also so much fun to find them, meet different people. Many of our guests that have 'found' St Thomas via a cruise ship experience, always indicate this is how they felt and the reason why they came back. Not enough time to do all the things they wanted to.
Hope this helps. I have traveled extensively throughout the Caribbean, have experienced both AI resorts, private villas, and Resorts without the AI option. My personal experience is that by day 2, in an AI, I am always anxious to leave and see and experience more of the island, the people, the chefs, activities, etc. etc.
Warmest Regards and best of luck towards your DW Day!