WE always planned our own. Just returned from our third visit. But we are very independent and adventurous, and like to meet, negotiate and talk to folks, which is what is involved in doing it yourself. If you don't want to be bothered, then a tour is best. But you can book day tours when you get to the individual towns. For example, in Placencia, Toadal Adventures does snorkeling and Jaguar Reserve trips.