I don’t know that there is a lot more to our story/decision. As I said, after 15 years of visiting almost all the islands in the Lesser Antilles and Central America (plus several live aboards), we reached the point that hauling 2 sets of gear and 2 suitecases of clothes for a week or two was getting to be too much effort. Plus with a one week trip you always had the feeling you had to “dive your butt off” to justify the trip, leaving little time to explore what the island culture.
When we stared doing 2 week trips, we had time to find out what island life was about. That’s when we went back to our favorite islands and looked at them to see which was the best choice (none were perfect) for settling down on. St Croix won for us; friendliest people, US (so no Customs hassles),reasonable home prices, decent diving with a variety of sites/terrain, English speaking and lots of things to do when not diving. Plus getting here is fairly easy.
The bonus was the island has fantastic restaurants, a variety of terrain (rain forest in the West, semi arid in the east, almost mountains), and open beaches with good snorkeling (not true on many islands). We even have a Home Depot and K-Mart.
There are downsides; food is not cheap both at the supermarket and restaurants, you are on an island and what you want/need is not always available and roads are not very good. If you are easily frustrated and need instant gratification, then island life is not for you. A certain level of self sufficiency is needed.
Personally, I am sitting on my patio, looking at the ocean that goes from green, to light blue to the deepest iridescent blue you can imagine - this is what I worked for and as close to heaven as I want to get for the foreseeable future