This was our 9th cruise and we love cruising more and more with each one. We had an inside cabin on the 11th floor and are only there to sleep and shower so it really doesn't bother us being inside. I am afraid of heights so we'll never have a balcony, however, I would love to have a front of the ship balcony because when you look down you see the lower levels and not water....someday when we can afford it.
We have had 4 inside cabins and 5 port hole cabins. The disadvantage of inside is not knowing the weather when you wake up...however, you turn the tv on to the channel that shows the front of the ship and wa-la...it acts as our porthole without paying extra for it.
We got away from excursions because we really just like to go to beachs and any cab/water taxi/bus can do this...however, some of the islands do not have close beaches and so it could take a considerable amount of your day time in traveling to/from one.
We decided this cruise that we really don't need to go back to the western caribbean again (our 2nd time there). The ports do not offer local white sand beaches rather coral beaches with seaweed and none really close. We've never gone southern caribbean so that will be our next one. Eastern Caribbean and Bermuda are great.
We are gamblers so we spend every evening going to the casinos and we have a blast. Our last 4 cruises have been with NCL through the casinos in Atlantic City, NJ. Since we pay minimal fees (~$300/pp + flights if we so choose) we opt to have dinner in the special restaurants every night which cost between $10 - $25/pp....our favorites, Cagney's Steakhouse and Le Bistro.
The best thing about cruises is you can do as much as you want or as little as you want...the older we get and the more we've taken, the less we do and are really starting to enjoy the relaxation of lounging daily by the pool or on a beach.