Debbie:What is there to do at the two ports if you don't do an excursion?
There are any number of independent excursion outfits who can and will tailor a day's worth of exploration for you on Roatan. As suggested: BoddenTours is one.
We attempted to do the same sorta thing with another outfit and were turned away from Tabyana beach because -- apparently -- when Carnival is in town no one else as allowed to have access to that beach unless they are on the Carnival excursion. We parked in a construction zone and walked to Tabyana through the second phase of a condo development to get there. How pretty that was!
So beware. You might want to ask about that.
In Belize, the tourist zone is fenced off from the rest of Belize City. And while Belize City is not the safest place to be wandering by yourself, the main problem is that you'll be pestered to distraction by locals wanting to sell you everything and braid your hair.
Desperately seeking 10th cruise for the free laundry.