Mrs Moose, I have done the Baltic cruise 3 times, 2 with Regent. Once on the Voyager, and this year on the Navigator. I did a 'walking' tour through Ost-West travel and we walked for 7 hours and ate lunch at a local tavern. It was great. I have always had an individual visa because I wanted to be able to get off the ship when I wanted to, not just for a tour. That applies more to the Navigator than the Voyager because the Navigator usually docks in the city of St. Petersburg with easy access to the area around St. Issac's cathedral. I say usually because this last cruise they docked at the passenger ship terminal which was a 50 min. walk into town. Yes, I did walk there. If you have any more questions that I might be able to answer, feel free to email me which is in my profile. I hope this helps.
Lynn