I would not cruise if I was limited to how much I can spend.
Since I'm not a young person, I am more interested in the quality of my trip and doing what I want to do than the cost of my activities.
Our next cruise is coming up before too long and I will be spending a lot more than $200.
Carnival Liberty New Year's Eve 2007
Liberty of the Seas 5/2008+11/2009
Allure 1/16/ 2011
Independence of the Seas 12/29/2013 Top-notch!