left this one to respond to others at the time but here it is now...
being able to afford in my case is about making what I spend more important than what I earn...in fact that is how the average person becomes a person of means...the spending is what gets many in a very debt like situation...very difficult to climb out of...
the other point is that , sailing with O is less expensive than sailing in a suite on Celeb....but you dont have to put up with kids or with all the activities that we do not value...a suite on Celeb segregates you from those in "steerage". I dont value that segregation. In fact when they started to build a wall in the dining room, I knew that was the end of cruising with Celeb.