Well, a cruise ship isn't a Peterbilt. You have to look at risk management and likelihood of occurrence.
No cruise line is going to keep a capital asset worth hundreds of millions of dollars sitting idle awaiting the next emergency. Too many issues involved beyond the lost revenue. You'd need a spare crew and officers, upkeep and maintenance costs, the costs of dock space, literally hundreds of things to consider.
And as has been said many times over the past few days, you don't move people from a ship in the open water to another one , or man the lifeboats, unless the first ship is in imminent danger of sinking or has an out-of-control fire. The risks involved in moving several thousand people far outweigh the discomforts of remaining aboard.