Went on the Golden Eagle 2 years ago. Yes the stairs go down into the water. The first step is a bit high, but there is always help. The best way I can put it is two guys with their arms linked under your butt will get you on the way up the stairs LOL.
Pinnacle sounds good to us
Antigua seems to be a day at the Pineapple Beach resort, weather permitting
Saint Martin, up in the air, possibly the cat trip
Saint Thomas, Coki beach/ Coral World, some beach somewhere
Private Island, Clamshell and pointing up and laughing at E, along with some beverage consumption
Puerto Rico, would only get off if they paid me an awful lot
These of course aren't in stone yet. It's vacation, a lot of going with the flow.