Just got back last nite from a cruise to Mexico (where it was in the 80's) and am struggling with reality (sat at the kitchen table for over an hour and no one showed up with my coffee or the breakfast menu. And no one made up my bed yet. Sometimes reality sucks. Anyway, now I need to get really serious about my row. As far as insuring goes, I don't know what to say. We may want to when it gets near the end, but I haven't checked out cost or value ranges. I'll go along with whatever majority says. Now where is that steward with my coffee .....