I feel extremely lucky. We finally booked our first covid cruise last month.
Because we had paid for our entire cancelled cruise with the allstate gift cards, we asked for the FCC and $1200 OBC for 2 cabins.
However, even though that's what we put on the form, we got a full refund in gift cards. I complained to our TA, and they didn't know how it happened, as they submitted the form for us asking for the FCC.
Well, they couldn't reverse it, but, to apologize, they gave us an extra $300 to use in the future.
We wound up with our full refund + $300, which we wouldn't have if we got the FCC we asked for!