Panama is not difficult to get around. From Panama airport, there are lots of taxis, and uber, to take you into City of Panama. For us it costed around US$22 uber, while another couple paid something like US$14 (Panama airport to a Panama city hotel)
Hotels are cheap in Panama. You can spend high prices to be booked with NCL chosen hotel, or often much cheaper at other comparable class hotels. Many of us in the 2022.3.29 Panama cruise booked our own hotels in Panama City (for much cheaper). Many people also arranged their own transportation from Panama city to Colon.
In our case, we had four couples staying at Le Meridien. We arranged a big van to take us, with a detour stop at For San Lorenzo for an hour, then to ship, US$75/couple.