Maybe a stupid question: does locking the exchange rate matter only if you intend to book excursions online later on and the rate at that time is worse (i.e. price of excursions goes down but your locked in buying power is higher because of locked in more favorable exchange rate)? But if one does not want to spend OBC on excursions, would locking in the rate be kind of useless since you cannot get anything other than excursions online and, once you get on board to book everything else, the locked in rate won't matter (i.e. the onboard OBC use is in USD)?
Thanks!
