I agree with your assesment of pre-paid tipping. I have never taken advantage of this and never will. I feel that it is much better to give the staff tips yourself than have them added to your account. On our last cruise, I had the tips removed on our third day. My wife had asked our waiter how this system actually worked. After the explaination from our waiter, my wife mentioned that we would be giving him and the assistant cash at the end of the cruise. Maybe it is my imagination, but I thought that the service went up a step after he was told this. I much prefer to thank and hand my tips to those who have taken care of me.