Gloria...we just finished our first cruise aboard the Millennium in the Eastern Caribbean and I had many of the same questions as you prior to our departure. You're right on with the clothing, I had rented a tux from the Celebrity web-site and it was delivered to the room the afternoon of the 1st formal night. I had no jacket, don't like jackets, and opted to go long-sleeve and tie for the semi-nights and got along just fine...the room is sooooo fine and the service soooo good that my next cruise I believe I will "honor" the room and find a jacket but felt completely ok the way I was too. Casual nights were polo and Dockers, down to jeans(uagh) and tee shirts...hope that's not a trend.
on our port-days, we never booked a ship excursion...I'm sure they won't want that getting around but found, with the help of this board, that we really didn't need them.
We found a lovely lady captain on St.Thomas that I can whole-heartedly recommend (www.sailwinifred.com
) for a fantastic day of sailing and snorkeling off St.Johns. If you book her, tell her Jeff sent you...I loved it! I had no fear leaving my stuff with her on her boat as we snorkled...but common sense tells you to NOT take more than you'll need with you that day....the staterooms offered a great digital safe we stored all our "extra" cash in.
I'd love to share more Millennium info with you if you'd like, just pop me an email and I'll talk your leg off!