One thing to keep in mind...and I think you are on the right track...is that noting is free. On Regent you will pay for everything whether you use it or not. So if you do not drink alcohol, you will still pay for it. Same for tours (which now generally have far more people than when it was pay as you go). The only thing that Regent will credit you for is airfare...but the credit is generally far less than the actual cost of your airfare (domestic air excluded).