No, you're not missing a thing! But, you obviously are a very self confident person and my primary point is that newbies may not feel so comfortable. Sadly, a lot of people aren't even sure what a cocktail dress is, let alone own one. And, I, for one think that they can, and should be able, to enjoy it all by dressing up something as simple as silk pants and top. I can certainly understand someone going on their first cruise not wanting to spend a lot of money on clothes they aren't sure they will ever use again. Of course, once they go, they'll get hooked on cruising too and then they may choose to buy some dressier clothes. That is what I did and now I own so many "cruise clothes" that I have actually loaned an entire week's worth to newbies!