I have cruised to Bermuda twice in the past few years, once on NCL and once on Royal Caribbean. Both were about the same, both were from NY to Bermuda and back. A five, six, or seven day cruise to Bermuda is plenty enough time to see and enjoy everything there. If you have two or three full days there you'll have plenty of time to enjoy the beaches and some light shopping. The island is small so it does not take long to get places. There is not a lot to do in Bermuda other than water sports and golf. There are two main towns Hamilton, the largest and St George.
There is really not much difference between a cruise that docks in St George or in the Kings Wharf. Those two places are on the opposite sides of the island but the island is only 22 miles long and so you can go to all of the same places and do all of the same things from either place. St George is like a very small town with just a few stores, shops and a cafe or restaurant. It has a town square surrounded by these. Its about a mile or less walk from there to a couple of beaches but the better and prettier beaches are on the other side/end of the island. If you want to snorkel, the Tobacco Bay Beach near the town of St George is great, and its walking distance (about 3/4 mile from town).
The Kings Wharf, also called the Royal Dockyard, is on the other end of the island and it is the terminus for the ferry and buses. So you can walk off the ship from there just about a block to either of these and go to the main town, Hamilton, or to the beaches. There is also a small shopping mall, a museum, and a new attraction called the Snorkel Park, right where the ship docks at the Kings Wharf. If you want to take the bus to the beach you can do so from the Kings' Wharf but be sure to get the bus that does the beach route; there are two routes from the Wharf to Hamilton.
When you go to Bermuda the best way to get around is to buy a transportation pass (about $10) per day per person which allows you unlimited rides on the buses and ferry for the number of days that you buy. The buses and quick and safe; I have ridden them on each on my trips to Bermuda. They will take you all over the island, even to the beaches. Your cruise line may have the bus passes on the ship.
Bermuda has some of the best beaches anywhere; pink sand beaches that you can easily find a deserted spot on. In my two visit it seemed to me that the majority of the people visiting the island were those on the two or three cruise ships which docked there during my stay. There are a few hotels in the town of Hamilton and about a dozen other properties/beach hotels, but they are nice. There are NO slums and ghettos in Bermuda like you may see in the Caribbean islands. All of the houses are well maintained and painted in pastel colors. All of the public beaches are great. If you go there you want to be sure to go to Elbow Beach and Long Bay Beach; you can reach them by bus. The beaches will be about 15 to 20 minutes by bus from the Wharf. The have shower and changing facilities and a snack bar with chair and umbrella rentals. The scenery is absolutely beautiful, just as you saw in the magazines, and there is plenty of free space so its not crowded.
The Crystal Cave and Fantasy Caves are worth visiting as a tour, or on your own. I also visited one of the lighthouses and you can visit one of the many forts on the island like Fort St Catherine if you like that type activity. These all have an entrance fee.
In the town of Hamilton we took a walking tour which took us to the Cathedral of the Most Holy, a maritime museum and a nice garden/park a few blocks from the port. There is shopping in Hamilton and restaurants, but not much else. There are some souvenir shops but don't expect great shopping places like you will find in a place like St Thomas.
I always get a balcony cabin when I cruise and that is the way to go. Yes the cabin can hold 2 adults and 2 kids. But you need to make sure that you select a cabin for 4 people, pay attention to how many sq feet the cabin selections are; the more sq ft the more room. When you talk to your travel agent or the cruise line make sure you select a cabin that sleeps 4 people. The cabins on cruise ship generally have a queen sized bet and a love seat or soft that makes up into a bed. Then some cabins have a love seat that makes into a bed and a bed that pulls down from the ceiling, like a bunk bed.
Check out the web sites below. The second one has a wealth of information about cruising to Bermuda.
http://www.bermuda.com/
http://www.bermuda-online.org/cruises.ht…