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Question regarding booking a cruise


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So we've been on about 9 RCCL and 2 Celebrity cruises. I've booked them all myself through the RCCL or Celebrity website. I prefer it this way to keep control. Well, we're looking at booking a summer Caribbean cruise on Allure. One of the big online travel websites is offering quite a bit of OBC. What are the drawbacks of booking this way? I know I won't be able to deal with RCCL directly if there are any price drops. Do the big online sites do price drops before final payment? I am super hesitant to book this way but it's quite a bit of OBC for 2 cabins so it's so tempting! Any insight would be appreciated.

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