Yes, I got the lighter color and I will only be wearing it over a camisole anyway. I will see how it works only wearing that vest when I'm in southern Florida over Thanksgiving, then I'll get a feel for how it would work in Key West and Cozumel. If I like it enough, I may wear it over my cami's for the whole cruise, on AND off the ship! Also, I don't "have" to zipper/button it up so it may not feel that much warmer wearing it.
Also, I like the idea of cargo shorts like that, but feel it would be easier to pick my shorts/pants pockets than the insides of a vest I'm wearing.