Same. Missed 2017 because of Irma, but three other trips, including this year. You will find some things closed, but if you don't mind adjusting because of this, it's great. Plenty of things still open, smaller crowds, generally good weather for sailing (although the winds were light this year for the first few days).
But you should take out trip insurance (if you don't have some automatic coverage from a credit card or something similar). 2017 paid for the insurance on the years we've purchased it. We don't purchase it every year. It's based on whether we consider the trip "expensive" (our definition of "expensive" may be different than yours). We consider the cost of pre-paying for a large cat "expensive".
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