Also, concur with Diebroke's excursion analysis as well as his decision points on air/hotel (we have near a million ff miles--no need for cruise air ever). We just sailed on Regent's Voyager last November (fall crossing, 15 nights) and had included excursions in four ports. I had booked them previously online but canceled all of them prefering to do walking tours (at our own leisure vs herding/cueing in line to get on a bus) on on our own. The one Regent excursion we did take was a concierge excusion ($149pp, 2 hr bus ride, lunch w/wine, tour of The Alhambra in Granada) and this was the best excursion we have had yet (Regent or Silversea). However, we prefer to do our own research and plan excursions on our own. In fact, now that Regent has discontinued their cooking workshops (Le Cordon Bleu) (very important to my wife) coupled with their new excursion model (priced into your fare, w/no opt out credit (like their free hotel if u opt out u get $300 pp credit)) we will look away from regent and very closely at Seabourn our other fav line; Silversea. We also have our first Seabourn (Quest) cruise this November.