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I have done both. My experience is that a banka will go from one island to the other and bring divers from one hotel to the other. The banka will be used to bring divers to dive sites. A liveboard has rooms for divers. So you stay on board, days and nights. I hope I am clear.
I share that wondering...(I wonder if the safari between resorts style is unique to the Philippines? Perhaps the geography and spacing of things there and other factors just lend themselves more to doing that there than other places.)