Sometimes the packages can save you money, but often times not. Have your agent provide you information/quotes on both methods so you can compare them.
Personally, we prefer not to do the packages because they are very regimented and you have to do what they want, when they want, and where they want while being herded like cattle. We much prefer to rent a can and do our own thing and that way we can do what we want and not worry about anybody else - makes for a much nicer and less hurried experience.
Travel Agent/Cruise Specialist w/12 yrs exp and 47 Cruises on 11 cruise lines! Favorites: Paul Gauguin - Tahiti: Uniworld River Cruises - Europe; Celebrity Solstice-class ships; Holland America - 12-nights Baltics & Russia; RCCL - 14-nights Greek Isles, Turkey, & Croatia; Holland America - 14-day Alaskan cruisetour; 10-night Canada/New England cruise; 21 days Hawaii w/7-night NCL cruise; Oceania - 25 days in Asia; more than 3 months touring Europe by train. And many all-inclusive resorts!