I tend to cruise out of Jax a lot since its only an hour south for me. I don't care for that class of ship since its smaller but its better than being at work!
That is exactly what I do. I buy a lot of cruise cash and/or pay cash then the last day put my card on file. I usually have nothing charged to it but id I did have a balance I don't want to stand in line on debark morning to pay it
I also cruise during the school year to avoid kids. For many years I had to cruise when school was out with my kids. Now that they are grown I don't do it anymore.