Coco Cay is a great place to spend the day. Your Sea Pass card can be used to purchase excursions, floaty mats, snorkel equipment, and drinks. As mentioned there is a free BBQ lunch. If you would like to do any shopping at the small straw market there you will need to bring money.
Disembarkation is always such a sad time. It is easier to put your bags the night before. As mentioned earlier it can take quite a while and lugging all of your bags is a pain. We have only done it once and won't do it again.