I go with Business Casual. I’ve worn Jeans with no issues, only been turned away wearing shorts. I would not worry about offending others by dressing down, you have enough to pack and bag drag to the ship. It’s your cruise, you paid for it so unless someone else wants to pitching $$$ to supplement your cruise fair, I’m taking it casual. This used to be a VERY heated subject but has cooled down in recent years ( thank god).