The ferry schedule may show a departure time of 4PM, but in my experience the actual departure time will be 4:30, 4:45, 5:00 or later. The reason is that VG retailers take the morning Speedy's over to St. Thomas and go shopping for supplies to stock their shelves with, and it can easily take an hour and a half or more to load their boxes of merchandise onto the afternoon ferry to go back to VG. We took Speedy's afternoon ferry from St. Thomas to VG last May and watched as two guys loaded a pile of boxes easily the size of two dumpsters for over an hour before they even started on passengers luggage. It was past 9PM before we cleared C&I on VG, and nearly 10 before we got to the villa. So, an obviously long answer to your question is yes, you will have plenty of time to make the "4 o'clock" ferry, even with checked bags. You will also have time to get a beer and a sandwich at the Petite Pump Room, and strike up a conversation with fellow traveler's and make some new friends. <img src="http://www.traveltalkonline.com/forums/images/graemlins/Groovin.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/jester.gif" alt="" />And how come it isn't May yet?