That pretty much describes me, too. My co-workers used to call me Amish Girl at work (before I retired). LOL Here's my experience...
Arrived in Negril late afternoon last Monday so no trip to town to change $$, shop, etc. Off I go Tuesday a.m. Already topped up my phone via the internet, set up my international calling plan, now to get my wireless set up. No USB modems until 2 p.m. I expected as much as friends warned me months ago. Please save one for me... I'll be back first thing Wed. I was & they did. I bring my netbook to Negril, purchased it specifically for my travels here. The gentleman who works at Digicel was not only helping me install & set up, he was waiting on all the other customers, too. The 2 women working there were off to parts unknown. Omar, I believe the man's name is, was a wiz... selling phone credit, setting up people's phone w/ international plans, showing phones, helping me, etc. I was impressed. Not sure what the women were supposed to do because it was pretty much nothing during the 2 almost hours I was there.
Had some problem w/ the USB modem... defective. A new one solved that problem. Because I already have an account w/ Digicel, registration was pretty easy... the wireless service connected to my existing account. The USB modem cost $3688J (42.88US), all inclusive. I planned to buy time for use after the 72 hour free use so also did that online. I'm set for my entire stay here. $3750 (43.60) I had to activate the month plan after the 72 hours but had been shown how to do it. I alctually remembered! Works well but you have to be close to/on your balcony/patio. Today is my first time on the balcony. Usually use it perched near the sliding glass doors when I get up in the a.m. Now that I have my initial investment in the USB modem, I'm good for every trip from now on. I'll top up online before I head to Negril & activate it once I'm there... just like my phone.
I hope this helps.