If you're worried about germs, buy the $5 snorkel. The mask/fins are fine to rent. If you buy your own, don't assume the cheap sets will fit you (or the more expensive, for that matter). Be sure to try them out before your cruise. My family of 4 ended up with 4 different brands/styles of masks. Everyone's face is different and a well fitting mask is a must. We sailed with a friend who had an ill fitting mask, and, as a result, didn't get to enjoy her snorkeling time.