Let's settle the ship-versus-independent question, because it's the one that actually matters on a cruise day. Book through the line and you pay more and ride in a bigger group, but you buy one real thing: if a ship-sponsored tour runs late, the ship waits. Book independent and you usually save money, get a smaller group, and skip the cattle-herd vibe, but the clock is your problem alone, the ship is not obligated to wait, and people do get left on the dock. You can shrink that risk to almost nothing. Book an operator that openly advertises cruise-friendly timing, confirm the pickup point is near the pier and not across the island, and pad the schedule so a slow ride or a long line back through port security doesn't cost you the ship. The takeaway: the all-aboard time on your card is the only deadline that counts, treat it like a flight you cannot miss, and head back early. A beach club near the port sidesteps the whole debate, since you set your own return time.