I'll add number 4. I'm a cheapskate. I'll agonize as much over a 8.95 beer or mixed drink as I will a $600 up front expense. I can bite the bullet one time and then don't have to think about it while I'm on the cruise. I likely don't drink enough for it to make economic sense but I can enjoy whatever I want whenever I want without thinking about the cost. Plus, I can feel free to drink half a beer if that's all I want.