Mary
I took Kenya Schillings (think thats what there called!!) which worked well for me. In some of the markets the LADS like you to pay in british sterling or USA dollars as I think they can get a good exchange rate. but just stick with the local currancy you will be fine. I did take my card but did'nt use it. I only came back home with about £15.00 in Kenya money and I did not have any problem changing the money back to sterling with my local bank where I got the money from.
In 2nd hotel I did only the half day tour to the town, TBH I did not think it was worth the money as it was boiling hot (I know thats not something to moan about!!!), and the beggars really did get to me, I found it all quite scary in my own way, so in the end I just sat on the coach/bus..my choice others got on and off in the heat etc no problem.
I do know some people did the dolphin??day it was very long day but they said it was worth it for what they saw and did. TBH I was very happy by the pool, and having a massage and manicure !!!
Really good holiday overall.
Cindy