This island was incredible. There are no beaches where you dock so we took a taxi ($6 a person) up and over the mountain to the other side of the island. When you get to the top, you look down and see the ocean and beaches at the bottom of the mountain. It was cool. You could rent chairs for $5, but we just laid on the sand (on our towels). It was incredible. I didn't see any restaurants, but I'm sure there were some somewhere.
Tortola is one of the British Virgin Islands. I now see why people sail in the virgin islands. They are much closer together than some of the other islands.
You can take a boat to Virgin Gorda. We couldn't do this because we were only there until 2pm and we were too late to catch the ferry. If you have an early time to get back to the boat, make sure you leave early enough to do this.
Before we got on the boat, we shopped a little bit. Not a great shopping place, but I picked up a few postcards and last minute gifts.