Well, our man did the figures for you as the crow flies with a constant speed and ended up with two days. You might throw in one more day to account for the speed lost to the current, and the speed lost when you turn downwind to cross the sound into port, and your actual course not being a straight shot.
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Then again one time you might do it in three days, the next time you try it maybe the trades aren't blowing as strong or a front is clocking the wind around and it takes longer. So depending on how many details you're including in your story, the feasible time taken could vary.TL:DR three days or so. You'd need to be outside the reef.
I've actually sailed this, and in a 4' draft I kept finding the bottom the hard way even with modern charts. (Just by way of coincidence, I also just signed off of a topsail schooner that was going to be sailing from Placencia to the Yucatan later on, what're the ods?) anyway, in that area sailing south the prevailing winds will be favorable, but the current is right on your nose.
Then around Herrero point the seas are crazy confused (because of a confluence of two currents if I remember correctly) which will slosh you around like a washing machine if you're in a 4000 lb 27 footer like I was, but in your 90 footer, I could see the wave action retarding your speed a bit. BUT the good news is the current that was on your nose has been clocking around to your port side as you move south, so once you clear that patch of bouncy bullshit, you won't be fighting the current anymore. So that brings us back to that reef you mentioned.
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Like I said I was in a tiny sloop, so we came inside at San Pedro to take advantage of getting all the wind, none of the wave inside the sound (and it was still sketchy af making that cut in my small boat) your schooner won't be able to do that. You should check a nautical chart online for exactly how far south a vessel that deep will need to go to get into the sound, in an area of the sound that has deep water all the way to B. So yeah, if your story involves any return trips, remember that the current speeds you up heading North.I spent 27 days in that sound, hmu if you think I might be able to chime in on anything else.
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