I`m on your cruise and have booked two cunard excursions,Rome on your own and Paradise Gulf.
Did think about going independantly to Rome but i`d probably catch the wrong train back so opted for the coach journey and the other one is the Paradise Gulf for the Boat trip.I`m not to keen on the guided tour part of it as some that i have seen walk at quite a pace whereas me and my partner like to stroll.
Never been to Toulon so have yet to decide on that one but i`m sure Palma is quite accessible from its port and from what i can remember from 20yrs ago its quite a nice town.Lets hope its not changed..
i`m sure you`ll do fine and have a great time.