My husband and I have bareboated in the BVI's every December since 1999, and we've chartered from Mooring, TMI and Horizon. Horizon is our favorite for the reasons you listed - Nanny Cay is quieter than Road Town and yet has basic provisioning, a couple of good restaurants and several other amenities. We've also really been pleased with Horizon's service - so much less hassle than dealing with the masses at Moorings. I was surprised to see the other post you mentioned since we think that the care and maintenance of the boats was one of Horizon's strengths - we've only noted minor issues which were resolved before we ever left Nanny Cay. We're looking forward to returning and chartering from Horizon for the fifth year in a row in December.