I didn't find them snobby. Most were very friendly and willing to chat. Some did feel they had a right to reserve the best loungers by the pool with a towel, but if they weren't at the pool, we just moved the towels and never got a complaint.
Dressing up was optional and as someone has already mentioned, a white shirt and black trousers/skirt with some nice (not expensive) jewellery or accessories worked fine, even for meeting the captain. Some people really went to town, but most didn't. Themed evenings e.g. Italian evening could just be the addition of a scarf if you didn't want to buy a whole outfit (some folk did).
The ship we cruised on did have set mealtimes. If you chose to dine in the restaurant you were allocated a sitting and a table, but if you chose to use the buffet, there was a fairly broad mealtime spread so you just turned up and you could get pizza type things anytime. Free coffee, tea and water were available outside restaurant hours, but buying drinks was not cheap. We took out a drinks package for water in the restaurant and bought bottles if wine if we wanted them.
BEWARE of the seemingly free bottles of water in your cabin. It said complimentary, but the small print said it would be charged to your card. There was no currency on board, you just charged things to your cruise card (which was linked to your credit card). I kept a spreadsheet of expenses on my iPad. Internet was chargeable, but many of the ports had cafes with free wifi so unless I was desperate I'd just wait. Re tipping, there was a daily service charge which you could opt out of by visiting the information desk. We tipped our Room service person at the end of the cruise.
Frequent cruisers were a good source of information about whether the excursion packages were good value. Some multi destination places were better visited on an organised coach, others were simply a matter of getting on a bus or walking. Multi excursion packages provided by the cruise ship were always cheaper than booking each excursion separately.
Hope you enjoy your cruise if you decide to go.
Retiring and living frugally in money from downsizing after years of stress




