Answered this post a long time ago: Night before
Let me clarify night before for one week Caribbean cruises, which we do with carry on bags only. Other longer cruises (so far for us 2 weeks max) maybe a few days before especially if visiting a locale with variable weather requiring multiple types of garments usually only 1 checked bag for both of us. We only bring meds and minimal toiletries, otherwise we use what ships/hotels provide and sunscreen etc we buy.