As to your question as to whether to do Elite with little or no fun play or a non-Elite with lots of free play, I find myself in the same position. Generally, I would take the Elite offer as the perks more than outweigh what I would actually win from the fun play. But there was a really interesting repositioning cruise from Tampa to Baltimore, where I could have a free balcony, drinks everywhere for two, and 1,000 in fun play, or be part of the Premier group and pay an extra $1,000 for the same balcony and have 500 in fun play. I took the first offer.