Ever since NCL started their "free" packages, their prices have been really high. We are sapphire on NCL and have more cruises with them than any other line. My daughter is 11 and has been on 13 cruises - the first 5 were NCL because they were such a good value. Then came free and it went crazy. We are going out of Tampa next spring break and going on NCL because they are the only ones sailing on Sunday out of Tampa.
As for MSC, that is the only line we've been on that I wouldn't do again. It's very, very tempting because they are so cheap, but then I remember it was the only cruise I couldn't wait to get off of. If you are in the Yacht Club, then it's not a fair comparison because that is likely awesome. I didn't like traditional dining as the only option other than the buffet (maybe that has changed in the past 5 years), their service was not great, kids' club was not anything like other lines, the crowds were overbearing, and it took upwards of an hour to get off the ship with a tour and then the same to get back on the ship. I can't say the food was bad...I'm not a foodie. The ships are amazingly beautiful. All of this was pre-covid, so this may have changed, but out of our 39 cruises so far, MSC had the most outstanding shows I've ever been to and they were every night. So, at least in our experience, the entertainment was the best part of the cruise. Still, all in all, I will not be sailing them again anytime soon.