dear JCBurns- i think that this lady might be able to help you out a bit.
First off you have chosen NCL and Freestyle cruising which means that most people will be dressing casual. Yes they do have a formal night, but the vast majority of men wear dark business suits, over basic classic tuxedos, but it is your call.
You should be able to rent your formalwear- go to the cruiselines web site and the info should be there.
If you want to wear your fedora's go for it, tres chic