We typically wear long pants (jeans) on the flight, my wife brings a light jacket for the flight and some evenings on the boat. Dri fit shirts or swim shirts are much better than cotton once they get wet. Most resturants and stores accept credit cards but you will need cash for taxi, ferry, baggage handler tips, mooring fees. Good water shoes or sandals are a must. We don't usually bring a beach towel to shore. We dry off fairly quickly just with the wind and sun. Our typical shore excursion equipment includes: cash, credit card, camera, flip flops.