Perhaps this would be a good blog post. We know that if you miss the ship it is up to you to get to the next port, or the next port where you can catch up with the ship. It seems there are a few different scenarios:
First, you miss the ship at embarkation - you have all your stuff and have to figure out where you can intercept the ship
Next, you don't get back to the ship in time while in port (too much tequila, maybe.) You are now stuck in port with whatever you took with you off the shipI think I read somewhere the crew has to go into your cabin and rummage for your passport.
Finally a twist on the in-transit miss is missing the ship on the last port of call. I assume you have to get to the cruise terminal and retrieve your stuff. The crew will have to pack up all your stuff - it might be adding insult to injury, but they ought to bill you for that service. It seems it might be a very good chance you would not be able to get to the disembarkation port until long after the embarkation process is complete and perhaps the customs agents have gone home.