Thanks to everyone who suggested hotel accomodations. sometime around October the travel agent kwho booked the cruise told us that Cunard was offering pre-cruise hotel at the Sheraton Towers on 53rd ST plus transfers from JFK to the hotel and then to the ship. For the 3 nights its $575 per person, which is quite a bargain compared to all the quotes I got from different midtown hotels. Some of the ones you mentioned were also recommended by friends and other internet site and travel books.
jmraz220, i also think my bar bill on QM2 will be potentially more expensive than my whole stay in NY City, anyway we can discuss this further on the Golden Lion