Thanks Angelfish for the link. We decided to go with the ship's offerings and have booked with HAL, realizing we've paid more than doing things on our own. As I mentioned before I have a horrid fear of missing a sailing.
This is our first sailing with HAL but are hoping the tours are as good as those offered on our Celebrity cruise last winter.
Any such tour is a relatively sterilized way to visit a country, we realize, but we're willing to accept those limitations on this holiday.