The love or hate reviews is probobly a reflection of whether the individual's needs matched the resorts offerings. Each of the choices have varied pros and cons. Divi is very nice, it's on the affluent east end south shore. It has a nice casino across the street for nightlife, a nice beach, large nice pool and excellent snorkling and some windsurfing and kayak rental. On the other hand, it's a bit isolated, if you don't rent a car. I think it has the best view and setting of the choices. Go into town (Christiansted), and hook up with one of the DO's for your diving. Get a multi dive package and that way, you'll get to do a variety of different sites and dive types. Carambola's on the north shore, towards the west end, again a classy place, the beach is nice, but a bit of a walk if carrying gear, although it is a more diveable area there off the beach than Divi. Cane Bay dive shop is just down the street and so are several nice places to eat. It's also isolated from town, but at least it has a cluster of restaurants, and bars and social gathering close by. Hotel on the Cay is on a tiny island (Protestant Cay) maybe a couple/three hundred yards diameter. It's right in Christiansted harbor, as centrally located as you could get. it's about a 75 yard ferry ride from shore, excellent view, and secure. The ferry can drop you at the boardwalk where the DO's boats leave from. Chenay bay is nice if laying on a lounge chair in the sun is what you have in mind. It has a view of Green Cay and a sandy beach. There is nothing to see in the water though, it's just tall grassand sand for a hundred yards out, and less than 6 feet deep or so. It's on the north shore, towards the east end, and again, somewhat isolated without transportation. I'd personally choose from the first 3. If you'd like, I could post a pic of Divi and Hotel o t Cay.
If you want more info , let me know
btw crime isn't much different here than any other caribbean island, we got a lot of bad press when the cruise ships stopped comming to St Croix (they cited crime as a reason)... The real reason was more along the lines of trying to leverage the Gov't. in some negotiations in St Thomas. (more crime there, and as many ships as ever)
Anyway, look forward to next year,
Darlene