Same same but different, Cow Wreck I think has better food, better bar with view. Loblolly has a better beach ( relatively ) has shade if you want it, it's a bit farther than Cow Wreck but a better road to get there. Taxi will be same price and take just about the same time to get to both. Go to both mix it up Not sure about Scrub Is resort but normally any of the BVI's resorts don't let you use the pool unless your paying in some way. Have fun and be Limin.