I think if I won the lottery I would plan to spend my "golden years" cruising 365 days a year, going on each and every ship until I found the one I loved the best, and then live it on it the rest of my life (in a deluxe suite, of course.).
That sounds wonderful!
OTOH, if I really hit the lottery, I would consider starting a new cruise line that would go all over the world. Done properly, the other passengers would pay me to cruise in the Owner's Suite (which the owner really would occupy!) for life....