Orion was shining brightly in the dark sky above Anegada in the British Virgin Islands. But the constellation had some electric competition in the band of bright mast lights bobbing offshore like a bejeweled Orions belt, observed a new acquaintance who introduced himself as Spoons, the pilot of one of those yachts. He and his crew of five friends from the Boston area had paid $10,900 for eight days on a 45-foot catamaran to sail from island to island.

Chartering a boat is one way to island hop in the B.V.I. and a popular one. According to the tourism board, slightly more than half of all visitors to the British overseas territorys 60 islands and cays stay on yachts.

I, on the other hand, chose a far cheaper way to travel between islands. Using the B.V.I. ferry system, I spent $140 not including accommodations, which added about $700 to my expenses over a five-day trip, reaching four ports in bargain, connect-the-dots style.

In the Caribbean, several ferry companies offer opportunities for multi-island vacations, such as the LExpress des Iles, which cruises from Guadeloupe to Dominica, Martinique and St. Lucia. Others offer domestic service, including ferries from St. Vincent to some of the outlying Grenadines, and those that link the United States Virgin Islands.

But few Caribbean destinations offer a ferry system as extensive and convenient as the British Virgin Islands. The tourism board details schedules and links to seven islands on an interactive web page devoted to island hopping.

From my first childhood ferry trip to Mackinac Island, Mich., where cars are banned, I have had a romance with ships that fill in for roads, carry vital cargo and allow communities to thrive in isolated places. They are buses for commuters, trucks for suppliers and relatively cheap maritime thrills for travelers.

Yes, cruise ships can actually be a rock-bottom ticket to the Caribbean on my trip, I met a couple from South Carolina who spent only $600 each on an 11-day Norwegian cruise but as an independent traveler, I find those affordable ships too big, and small charters too expensive. The ferry system seemed just right to this backpacking Goldilocks.

Seeking a winter warm up and a budget tropical vacation, I went to the B.V.I. in January to test the convenience and cost of the ferry system, hitting the cruise hub of Tortola, the mountainous beauty of Virgin Gorda, and remote Anegada.

Often, the cheapest flights from the United States that arrive nearest the B.V.I. land in St. Thomas (in the United States Virgin Islands), which is where I caught the 8:30 a.m. Road Town Fast Ferry from downtown Charlotte Amalie to Road Town, the B.V.I. capital, 50 minutes away on the island of Tortola ($60 round trip; the United States dollar is the official currency of the B.V.I.).

A mix of day trippers, business commuters, yacht renters and one friendly couple from Tortola who helped me with my immigration form joined me on the windy trip aboard the 82-foot passenger ferry BVI Patriot. With four-foot waves and occasional sprinkles, I sat on the upper deck inside the cabin, which was both strangely ordinary two flat screens tuned to CNN delivered news of the Democratic presidential debates and a snowstorm in New York and wildly exotic as we passed leggy cactuses growing out of rock islets, forested hillsides of undeveloped islands and a few stands of barren mangroves, evidence of Hurricanes Irma and Maria, which struck in 2017. (The damage inflicted by those hurricanes brought the hotel room inventory to about 1,500, down from 2,700.)

Two cruise ships in the harbor dwarfed the 149-passenger BVI Patriot when we arrived. After clearing immigration, I hired a taxi driver, Conrad Dodgy Lewis Dodgy doesnt describe my driving, he insisted to take me from the congested capital over the islands mountain spine to Cane Garden Bay, one of Tortolas most popular beaches, and back several hours later, in time for my late-afternoon ferry to Virgin Gorda for $50.

At Cane Garden Bay, lounge chairs and umbrellas colonized the sand in front of a series of restaurant terraces and beach bars, welcoming travelers from the cruise ships, arriving in open-air buses. On an overcast day, I walked the beach between sporadic downpours to the more than 400-year-old Callwood Rum Distillery where Matthew Callwood, a distiller, bartender, tour guide and member of the family that has owned the distillery since the 1800s, led me and two cruise passengers on a tour ($5) of the mostly outdoor distillery works, including a 19th-century sugar cane crusher originally powered by harnessed donkeys.

There used to be 28 distilleries on the island, and now theres just us, he said, pouring shots of Callwoods four rums, including white, spiced and the smoother aged version he recommended. Its good for sipping, or putting in your coffee in the morning.

I stashed a pint ($12) in my pack and moved on down the beach, watching divebombing pelicans on the water and free-ranging chickens on land. Beachfront restaurants teemed with day drinkers, but I followed Dodgys advice for lunch and went to Bananas Bar & Grill, a polished bistro where cabdrivers were stopping in for takeout chicken soup. I learned why. Inexpensive and delicious, my $9 bowl brimmed with root vegetables, spinach and large tender pieces of chicken, bones and all.

If I had had time, I would have enjoyed outlasting the cruise passengers and staying on Cane Garden Bay at a place like Myetts Garden Inn on the Beach, running $250 a night on Airbnb. But I had a ferry to catch.

Racing to make the late afternoon Speedys ferry to Virgin Gorda ($30 round trip), I was joined by a day-tripping set of cruise passengers, another American couple bound for a week at a luxury resort, uniformed schoolchildren and several returning islanders clutching bunches of stuffed shopping bags. One visitor leaned over the port railing, welcoming the warm wind in his face for the entire 30-minute passage toward Virgin Gorda, said to have been named Fat Virgin by Christopher Columbus for its pregnant profile.

You can tell a lot about an island by its ferry cargo. There were pallets of bottled water on the boat to Tortola. On Virgin Gorda, Speedys deckhands unloaded cases of Veuve Clicquot and Cakebread Cellars wines.

Virgin Gorda has long attracted the rich and famous. Taxi drivers pointed out Morgan Freemans former home and Richard Bransons two nearby islands. Recently reopened after the hurricanes forced substantial rebuilding, Rosewood Little Dix Bay has catered to the affluent since Laurance Rockefeller developed the resort in 1964.

Consequently, a solitary backpacker seemed an usual sight in Spanish Town, the main settlement on Virgin Gorda. I declined taxi offers in favor of a 15-minute walk to Fischers Cove Beach Hotel, where blossoms were tucked in conch shells and towels in my tidy and spacious room ($175 a night). Only when I stepped onto the flamingo-pink patio and looked up did I realize there used to be a second story above, where rebar now pierced the blue sky. The Flax family, owners of the hotel, are gradually rebuilding after the hurricanes.

Tropical foliage has sprung back on much of the mountainous island, home to a series of national parks, including Gorda Peak National Park, with its panoramic trail to 1,370 feet elevation. Staying overnight on Virgin Gorda offers a rare opportunity to visit its best-loved beauty spot the Baths National Park, protecting a dramatic stretch of shore where massive granite boulders as big as 40 feet in diameter cluster in the shallows before the cruise ship crowds arrive.

At 7 a.m. when the first blush of light began pinking the clouds, I started down the park path past cactuses and the occasional orchid to Devils Bay where a septuagenarian foursome was quietly skinny dipping. I waited out a 10-minute rain shower in a shorefront cave weathered by the action of the waves. The path continued over and between the Baths boulders, sometimes with the assistance of steps or rope holds bolted into the rocks, walling off calm, shallow, swim-inviting pools.

I saw evidence of other early birds at the Baths M + M 2020 seemed freshly written in the sand but I never saw them until I completed the roughly mile-long circuit and returned to the entrance at 8:30 a.m. where a line was already forming.

Tortola is the big city to us, Dawn Flax, one of the family members who runs Fischers Cove, told me when I checked in. We go there when we need to go to the bank or the lawyer.

A day later, I ran into her at the ferry terminal on Tortola, returning home after a banking run. It was an unintended stop, but when the Wednesday departure from Virgin Gorda to Anegada was canceled, I was forced to the B.V.I.s hub to catch Road Town Fast Ferrys 300-passenger Lady Caroline from Tortola to Anegada ($50 round trip).

Of the six of us scattered among 30 seats on the outside upper deck, five were returning islanders, quizzing two with roll-aboard luggage about their vacation abroad. Children scrambled up and down the stairs for vending machine snacks and teenage couples leaned into each other, sharing earbuds. But the high seas soon quelled conversation, abandoned to the rush of the wind, the rhythmic rise and fall of passing boats under sail and the shifting view of outlying islands.

Sandy and flat where its sibling islands are steep and rugged, Anegada the most northeastern island in the B.V.I., and the only coral island in the volcanic chain resolved into view like an overgrown sandbar during the one-hour crossing.

From the concrete ferry pier, I got the vaguest of directions to my hotel walk down the pier and take your first left which turned out to be accurate. By late afternoon, the outdoor, oceanfront bar at the Anegada Reef Hotel was packed, not solely with guests of the 10-room hotel (from $155 a night), but also with sailors from the many yachts moored in front of it.

Other than the pre-sunset rush for rum-based Painkiller cocktails, the nightly hotel barbecue featuring the islands renowned spiny lobster, and a D.J. blaring Love Shack from a bar at Potters by the Sea down the beach, Anegada is quiet.

You come to Anegada to swim and sleep under the sea grapes in the shade and wake up and swim and eat and drink and sleep again, explained an islander at the bar. No one will bother you.

I hoped not, especially when I rented a scooter the next morning for $50 a day from Michael Hastick, the co-owner of L&M rentals. He gave me, a scooter novice, a quick lesson in operating the vehicle and when I asked the speed limit, he smiled.

Theres only one cop on the island, he said, pointing to the empty street. Its Anegada, and this is rush hour.

Technically, the speed limit is 30 m.p.h. And the occasional traffic obstacles were goats. Michael marked up a small map indicating where I would see the islands flamingos (distantly, in an interior pond), its endangered Anegada iguanas (in conservation cages next to the police station) and its best beaches, especially Loblolly Bay on the north shore, home to beach bars for castaways (Flash of Beauty) and party people (Big Bamboo).

Despite an open sign, Flash of Beauty was deserted at 10 a.m. Conch shells lined sand paths through the dunes to the beach, strafed by surf despite the barrier of distant Horseshoe Reef, visible in a line of frothy waves. I plunged in and immediately saw conch shells and rainbow-colored fish schooling around coral heads, but with the strong current I decided that as much as I love solitude, it wasnt safe to swim alone. It was, however, completely safe to leave my cellphone, wallet and scooter keys, and walk for miles down the deserted beach, returning to find everything as I left it, Flash of Beauty still closed and no other visitors.

Chased by another downpour, I stopped at nearby Anegada Beach Club, home to intriguing palapa-roofed beachfront tents, a kite-surfing school and a poolside restaurant where I met Paula and Michelle Mau, a couple from Omaha who regularly visit the island.

Anegada is the end of the world, Michelle said. Theres no one here. Its magic.

The Maus spread some of that magic by inviting me, after just a five-minute chat, to join them on a private boat they had chartered to snorkel around the uninhabited east end of the island. We saw four-foot barracuda, green sea turtles and shy puffer fish. We froze in another pelting downpour and dried out in the sun. We cruised by 12-foot-high islands composed of conch shells that harvesters, dating back to the indigenous Arawak, cast off after taking the meat, creating pearly pink mounds where terns posed in profile. They wouldnt take a dime in return, though the four-hour trip cost more than $300.

Before leaving on the next days 8:30 a.m. ferry to Tortola and onward to St. Thomas, I walked the beach to Neptunes Treasure resort where the aroma of cinnamon rolls from Pams Kitchen served as an olfactory siren to sailors aboard the 50-some yachts tied up offshore.

The Caribbean is rarely a thrifty destination. Food can be expensive (I paid $40 for half a lobster at the Lobster Trap on Anegada). There were unexpected fees, including a B.V.I. environmental tax of $10 upon arrival and a $20 departure fee. My hotels would have been a better deal if split with a companion. I spent close to $1,000 on the trip.

But the compensation of taking the ferries went beyond financial. I traveled with commuting islanders of all ages, passed the time in terminal waiting rooms with women doing word search puzzles and joined them in bringing my own lunch aboard. These regular sailors knew to sit starboard to avoid the sun on the afternoon Anegada run and to move to the exit before docking to beat the disembarking crowds at Tortola.

Still, no one seemed to take this special means of transportation for granted. Like me, they tugged on sweaters, sat in the shade and watched the successive hues of blue streaming in and out of sight between water and sky.

Elaine Glusac is a frequent contributor to the Travel section.

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Who Needs a Caribbean Yacht When You Can Take the Ferry? - The New York Times