Hi everyone. I'm new to cruising and message boards. I've booked a 7 night cruise for my boyfriend and myself at the end of September. Just curious what to expect - especially weather wise since it's during Hurrican Season (cheapest tickets). Here are some questions I've had: Is purchasing insurance a good idea? What exactly do you have to pay for on the cruise ship? Are there any "hidden costs"??? What if there's really bad weather (ie hurricane) when the cruise is suppose to depart? Are you reimbursed in some way if you are not able to go to port due to bad weather/waves? Is it better/cheaper to go with the cruise tours in port or find a local tour guide? Are there any suggestions for things to do in the ports of St. Thomas and St. Maarten for first time visitors/cruisers? How much spending money should one plan on bringing for a week cruise? I guess I had a lot of questions. Any information or feed back would be greatly appreciated as well as any helpful advice/critiques for this particular ship and cruise. Thanks!