OK, for the Ritz-Carlton, we stayed there in June 2001, and have visited for Sunday brunch every year since (while staying on St. John). I get so excited just thinking about it (like Disney), that I'll just randomly dump thoughts here!
The property is just about perfect! It is on the east end of the island, about a 5-7 min. taxi ride to the Red Hook ferry. It has a great infinity pool and sheltered cove with a nice beach and great access to the sea. They have SCUBA right from there (where I got certified) and also sailboats, etc. We hung out at the beach all day, and enjoyed diving, sailing, playing volleyball, swimming, snorkeling, and, most importantly: sleeping.
They will serve you lunch right to your chairs on the beach. If you like hamburgers, you have to try theirs. We still talk about them! And, then later in the afternoon, a beach attendant comes by with complimentary fruit and scented towels in the afternoon for you to "refresh yourself."
Att night, we'd go dining, often times into Charlotte Amalie. It was a 20-25 min taxi ride to town, but it always passed so quickly because we always had the same driver: Newman. If you go, ask for him. He's fantastic and whenever we visit from St. John, we make sure Newman picks us up!
Anyway, we really liked it, and they really get that they are a tropical resort. On the other hand, stay AWAY from the Ritz in Puerto Rico. It is more horrible than the bad reviews you can read online (so I'm not enamored of all Ritz properties -- just the St. Thomas one...)
The only negative that I can remember, but we didn't personally experience, is that dinners are very pricey if you decide to stay in...I would recommend the Sunday brunch highly, as it is a GREAT value at $75 a head. I'm a real stickler for price/value comparisons, so believe me, there's value there (esp. if you like champagne at breakfast).
Also, I now only shop in one jewelry store in the world and that's Cardow in St. Thomas. Why? Very interesting pieces at reasonable prices. They will also fix them years later after you break them and ship them home to you (bracelet that tangled with a NYC subway door -- my fault!).
Rooms -- deluxe! We had a very very cheap rate (I think $189/night) and still had a partial water view. Tell them it is your anniversary, and I bet you will have a pretty neat surprise one of your nights there...we did!
Anyway, my daughter is getting tired of watching Mary Poppins -- let me know what else I can tell you!