I've dealt with both firms (although Emerald Coast was a decade ago), and found both to be honest and worth the money. I took one of the ASA courses through Emerald. I also could not find a bare-boat charter near the Bay, but I believe there is one in Pensacola, but that means a drive and going into the Gulf. I was in a similar situation last year with non-sailing family members. I chose the Captain Guido captained charter because it was convenient, not much more than bare-boat, and I was not familiar with the area (there are a number of shallows in that bay). He treated us well, didn't mind that we wanted to sail the boat most of the time, and allowed us to select destinations and interests. I'd do it again.