The all inclusive has three components. If you price them individually, Wi-Fi, classic drink package and gratuities then compare the total to the all inclusive generally the all inclusive bundle is cheaper. The wildcard in all of that is the Wi-Fi. If you really don’t need it or would never use it, then the simply sail rate might be the better deal for you, with adding the drinks and gratuities a la carte.
It will be different for every cruiser so the advice to do the math is spot on.