My husband and I have planned our first cruise aboard the above referenced line. I am truly confused about the "nickel and dime" issue. I've read where some small things (ice cream, coffee, dessert, etc), you are charged for and that depending on where you eat, you get charged for the meal as well (if we don't eat in the main dining room); I though ALL meals (not drinks) were included, regardless of where we ate on the ship. Does anyone have first hand experience to this? Also, how "formal" is formal (would a simple dress be ok)?