I too, tend to get cold on the ships, so I do bring an all around sweater.
Like beenie, I pack 1 black top and 1 black pant, then every year I buy a sheer shirt/jacket to cover the top.
That's what I'm doing for the 15 day Hawaii cruise.
Trust me, once your DH enjoys a meal in the dining room, he will want to go again. It's just a good experience to have great food and be waited on.
Have fun Jen.