The "not enough $$$$" surely hits home!
Well, Keith would much prefer a crossing over any port intensive cruise, especially after reading about a transatlantic aboard Oceania's Regatta. It only carries 684 passengers. I would want a bigger ship for an ocean crossing.
I would pick HAL's cruise that goes to Monte Carlo, Dubrovnik and Venice, among other ports, so it's very port intensive. Even better, a cruise to South America.