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.
47 Cruises & Counting! Favorites: Paul Gauguin to Tahiti: Uniworld River Cruises in Europe; any of the Celebrity Solstice-class ships; Holland America for 12-nights in the Baltics & Russia; RCCL for 14-night Greek Isles, Turkey, & Croatia; Holland America for 14-day Alaska cruisetour; 10-night Canada/New England cruise; 21 days in Hawaii including a 7-night NCL cruise; Oceania for 25 days in Asia; & 3 months touring Europe by train. And many days spent in all-inclusive resorts!