Should I Cancel My Very Rainy Cruise for Next Week to Bahamas?

[wsantelope]

Thinking of cancelling my r/t sailing out of Orlando on Allure of the Seas for 6/24-28 (1 week from today) to Nassau, Bahamas, CocoCay, a Day at Sea. 
I was SO excited to go and be back on the Allure, but quite honestly at this point it looks like it's going to rain pretty significantly the whole time. I was going for sun and sand in a balcony room. 5 days on a ship in mostly the rain sounds like no fun to me. I was on the Allure for a week last August and it was a PERFECT cruise....but I don't really want to just be on the ship watching shows, looking out at clouds and being wet and cold. Even if we could pool in the solarium. It's too much $$$ to spend for that kind of trip. I'm still watching the weather, as I know anything outside the 7 day forecast isn't really reliable, but right now it does not look promising for Nassau on Tuesday 6/25 and CocoCay Wed 6/26. If it was 50/50 weather or maybe even 60 rain/40 not I would probably still go. I NEVER book cancel for any reason insurance but I did this time....coincidence??? I haven't read the fine print yet but ALL my flights (Southwest), hotels and excursions are 100% refundable until at least Saturday. I believe with the cruise under the policy I would get back 75%. I'm guessing I would forfeit the insurance fee if I made the claim and when I re-book for another time would have to add insurance. So probably a loss for the two of us (cruise was about $2000) of around $650? At a minimum would cancel the expensive day pass to Atlantis ($500) and the adults only place on CocoCay ($250) and either stay onboard or do something free at port. Have you been on a VERY rainy cruise? Have you cashed in your Cancel For Any Reason Insurance? Would love some advice. In more than 10 cruises have never had this issue. TIA. 

[mjkacmom]

Rain is scheduled almost daily there in the summer, usually showers, not all day rain.