I just got back yesterday from 2 weeks in Belize. I stayed on caye caulker the whole trip. Did make a day trip to ambergris to scout out the area to come back on another day during this trip but after spending so much time on caulker and seeing ambergris I didnt want to go back to ambergris, reminds me alot of Mexico in some places. Anyway caye caulker is an awesome place to spend a vacation with the family, very limited tho for fishing from the island as far as flats go. I spent my time fishing with the local guide, guru and retired council member "PIGGY". His real name is porfilio guzeman but goes by piggy. He is a great guy and became a good friend. I didnt have any luck with the tarpon while I was there. I did catch two "small" permit. The bonefishing was great, caught several over 5 pounds and one that piggy said was 8-10lbs, The flats arent like the bahamas, these flats are almost all turtle grass and they never dry at low tide. Basically always fishing in 2-4ft of water. Where piggy and I went I never saw another fisherman, some of the atolls we fished are little ridges that never stick out of the water at low tide, its kind of strange standing out there with nothing around. But these are the spots for the big bones, plus they dont really get any pressure. Ambergris is probably a better spot for all out marsh and flats fishing, but know where near as clean and friendly as caye caulker.
My opinion is to at least make sure and have a ticket out of belize city when you arrive there by plane, the faster the better.
Talked to many locals and others during this trip about placencia and dangriga and the whole consensus was that those two places are alot like caye caulker, clean,quiet and fairly safe places for gringos to be.
I rented a house on caulker and it turned out great, try to get air conditioning, it still got real hot and muggy and the a/c was great at nite.
Let me know if you need further info;
Capt Mel, i will email you in the morning.