This is what confuses me about MSC (maybe it's cruising in general) though I'm new(ish) to both cruising and MSC.
My experience of a similar nature has been completely different...the only difference I can see immediately is the geographical location of our cruise searches and our booking sites.
We are in a similar situation. We had two cabins booked for 6 people for a June cruise in the Mediterranean. It was obviously cancelled and we had our 125% FCC and I have had difficulty trying to use it all up. We ended up in the same cabin on the same ship during peak school holidays in August, added the middle level drinks package and still had money left over.
My cruise for October school holiday this year we swapped to October 2021. Exact same ship, date and cabin...added the middle level drinks package and saved over £700!
I hope you find what you are looking for.