I was in the same situation last year and had zero experience with yacht charters. What helped me most was browsing https://12knots.com/en/yacht-charter/destinations/caribbean/bvi/ and just reading through the options and info. The BVI is actually one of the easiest places for beginners. Short distances between islands, calm waters, and lots of safe anchorages. Planning looks scary at first, but once you see suggested routes and boat options, it clicks. Going with friends is fun, but couples also love it for the privacy and freedom.