well, first off... you've come to the right spot... USVI is beautiful..between st. thomas, st. croix and st. john, i'm sure your guests will love it..st. john has beautiful secluded beaches and you can't beat the no passport required. st. thomas is much like florida...nice and with ALL of the comforts of home..like, walmart, etc...i think 20k is plenty..some hotels offer discounted wedding deals...like sandals, they'll throw in a martha stewart themed wedding pretty much free...i believe beaches does the same..it really just depends on your hotel, your planning ideas and what you're wanting for your dream wedding... this site can help you with everything from Save the Date ideas to passports for invitations, etc...everything is easily accessible and the brides on here are a real pleasure to chat with, bounce ideas off of or just vent...so, i believe you'll find a plethora of information and ideas to help kickstart your planning. good luck and happy planning!!! R~