I moved this topic to the UK section as it seems your primary concerns lie with moving back to the UK, or a British Overseas Territory. It seems you have several questions to tackle here:

Where to move - (Expat Resources can provide some insight into different countries like British Virgin Islands - check out the expat bloggers, forums, etc)

Wife's visa - The [/list]]London Guide's section on UK visas (including a link to the pertinent section on Partners and Family Members at UKBA) and Obtaining a Visa to Live, Study and Work: the United Kingdom should be of help.

If you are referring to pension benefits, the section on UK pension and collecting abroad may be of service, as well as that of one of the US guides.

I hope that helps provide you some resources. Do you have more specific questions, or does anyone else have experience to share?