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I have cruised Disney twice and was bothered by rug rat far less than on Carnival or RC. The kids are kept well entertained and adults have areas where kids are not allowed and they stick to it. Also dinning is assigned so adult only and parties with much older children start in a different dinning room for dinner rotation. When we had the late dinning there were no children under about 14. But as you say it is expensive. The other cruise line we have sailed we less rug rats is Hal but the worst behaved kid in a dinning room where on that ship, so I guess it is luck of the draw sometimes.