I dont fully understand them myself yet and I am a seasoned cruiser. My thinking is you may be able to save a few dollars at the risk of losing your deposit or cruise altogher. To me its not worth it. With all these new fares it will really make sense to use a reliable and intelligent travel agent. I feel bad for the PVP's that will be slammed with calls. They will no doubt get confused and offer wrong info from time to time. No thanks.
2008-Valor and Glory
2009-Spirit and Splendor
2010-Freedom of the Seas and Mariner of the Seas
2012-Allure of the Seas and Navigator of the Seas