With a ten year old girl. Big lunch at Cow Wreck to keep both girls out of the sun for a while. Then a quite very simple dinner comfort meal on the boat in the anchorage. Your family music playing, maybe a DVD player running stuff for the sunburned kids as they zone out.

All children are different... but this one place where you can make dinner reservations spend a lot of cash to just hear... "When can we go back to the boat".....

If I arrived late in the afternoon then maybe dinner ashore makes sense with kids after the boat ride. Then Cow Wreck in the morning.