We are very similar to yourselves! We have been fortunate to cruise a few times now with a few lines and love cruising for the exact thing you've said, access to activities! That being said we definitely appreciate the cost involved with cruising so we often do look for land holidays too! In the UK we tend to go for short breaks, to the various theme parks and in the USA we like to go to the parks over there too! We get the annual passes which help for value with Universal! The thing we find with land holidays is that the activities are great still, as we choose them BUT the one thing I miss compared to a cruise? Not having to pay for breakfast, lunch or dinner!!