Thank you - sooooo many questions.
I'm not the best person to critique Bannister Island, because I am not a beach person, so the Bannister Island portion was not very interesting to me after the initial time it took to explore the island. I thought I would be able to snorkel from the island, but the swimming area is limited to a roped off area and there is nothing to see within the boundaries and they told me not to go outside of it. I probably should have anyway, but there was occasional boat traffic and I have no idea if there were any currents.
If you want to lounge around a lot of people like it. It is perfectly safe. Obviosuly bar/restaurant, hair braiding, bathrooms, showers, volley ball, the usually kind of stuff.
I really liked the snorkeling portion.
I think 3 1/2 hours sounds about right for the duration.
I've never really timed the tendering process, but it is a ways. Much farther than Grand Cayman, for example. I'd say more than 5 minutes and less than 45 ? Sorry.
The tender area in Belize City is a tourist compound, so you are perfectly safe there, also. Lots of shops and bars and tourist areas. Big fences between you and the city. Outside the fence is a different world. Much of Belize is poor but I found the people to be nice. Usually when I go to Belize I spend my time snorkeling the outlying islands and reefs.
I used Canon cameras with the waterproof housings. I don't really fiddle with all of the controls while underwater, but at least I can and sometimes do. Typically will let Photoshop elements auto correct the colors, etc.
One of the things I like best about digital for underwater is that I can shoot hundreds of pictures without running out of film. Can also shoot film clips. With digital, you should take the camera off of automatic white balance.
Some more pictures from Belize:
Belize: Belize Nov 16, 2006 Sep 7, 2006 - Belize
Dec 27, 2005 - Belize Pharmacy@BelizeTouristVillage
Belize Nov 16, 2005 (Snorkel and Bannister Island)