We can and have probably done that! If gratuities are not included in the $200, most definately. However, we do not impose a limit on ourselves. We usually have one soda card (me) as DH usually drinks water. We may buy a couple of photos (usually not of us, but the ship's pictures of where we have been) and usually have a ship's excursion or two. Sometimes it is just easier to buy a needed item than to try to find it at a port (we have done both). On our last cruise, we probably spent more than we ever have prior (it was a 14-day cruise). However, we had over $3000 of OBC and still received a chunk of change back after the cruise (way over half).