As other people have said I think it depends on your TA. Ours is absolutely amazing, we have used her for an all-inclusive resort and other trips in the past. If there's ever been any hiccups even during our vacations she has always helped us out. Just an example here, our cruise had to be re-scheduled twice in the past few years. Once was due to COVID, and the second time because I had surgery and was still recovering during the rescheduled cruise date. She made the process both times incredibly easy, was able to help us retain our travel insurance (we have it separately from Celebrity), applied our deposit (originally non-refundable but of course COVID changed that) to the new cruise, and we also got additional discounts thanks to her. I think on this cruise we saved about $800 thanks to her, which we can use for other things. We also have great OBC for our upcoming sailing thanks to her.
I think that if you find the right TA then everything works well. I think that @cwazycwuisecpl said it best that there's something to be said about saving money and having someone else take care of everything. Having a great TA has definitely made our vacations less stressful, and she was absolutely phenomenal during all of the COVID cancellations and reschedules we encountered.