Thank you all so much for the suggestions - I love them all!!
My husband and I have purchased the cruise for us, our daughter, her husband and their 9-year old son and our son, his wife and their two daughters - ages 7 and 3. We're going to "reveal" it to them on Christmas, but the cruise is not actually until next July (2023) when school is out. So, plenty of time to change plans if needed. And, we ALWAYS book refundable for sure. Too many unknowns for us with aging parents, etc.
Thanks again for your help! And, keep the suggestions coming!!!