Just booked tours with Abe's for July 5, I hope that wasn't the outfit with the "danger guide". It looks like their the big outfit so we might be doing a lot of bumper kayaking but they seemed to have good reviews, they give you some time to paddle around on your own (some don't) and they do pickups at the parking lot at Sun Bay where I'd prefer to anchor. I'll let you know how it goes.
Life involves risks, take some prudent ones (NOT with the BVI ferries)!