As I said above ... I may be able to gleen information from peoples' replies that I hadn't thought of... and that has indeed been the case.
My last cruise was 15 yrs ago on Disney, (where we did hapoen to have a balcony), so I'm essentially a know nothing newbie, and folks may, and have, offered insight as to what their break point is, or how they assess the cost overall which I have found helpful.
I'm not sure why this seems so difficult for you to understand considering it's the second time I've explained it 🤷