Hi Bob

You can get to Copan in a day from Roatan and Utila. Getting back that day is not possible due to getting stuck in La Ceiba. Beware of getting caught there unless like me you may enjoy the seedier side of life. There is nothing to see in La Ceibe itself but the area around has a lot of things to do. You can go white water rafting at one of companies there, they will pick you up at the ferry if asked and care about your enjoyment. See who is motivated !

There are rare options to get from Roatan direct to Utila, otherwise you have to transit at La Ceiba. 2 tickets ! ahem... sceptic alert.

Cayos cochinos so far as I know have some kind of kids diving marine biology camp. There is equipment there therfore and im sure it is possible to organise something ? dont take my word for it though. But I dont think there is any real reef like Roatan.
If anyone knows of this let us all know.