Atlantis Resort in Nassau

Has anyone planned this one on their own, without going through a tour group? I was interested in reserving a cabana at the Atlantis but with all of their cancellation penalties I'm wondering what they have been known to do if a ship misses their port or has to change the day in port due to weather? If you reserve a cabana, you pay for it up front and also have to purchase the waterpark tickets up front at $135 a person and I'm worried about getting our money back if we had to cancel due to weather or anything else like that.