We always do the math. Our last two cruises with NCL (7 day Caribbean Nov 2018 and 19 day Panama Canal Jan 2019) we did inside sail away because we are always looking to cruise for about $100 per person per day. We are platinum so we get some specialty dinning, laundry and internet anyway.
I just talked my wife into another Panama Canal cruise (16 day) next month because with the free air and prepaid gratuities promotion (things we would have to pay out of pocket for) we are sailing for $104 per person per day in a Balcony! On top of this great rate we also get a 5 meal dining package, drinks package, 250 minutes of internet and $100 OBC. Because we have sailed so much to so many places we now choose our cruises based on the deal more than the destination or ship.
When I have the drink package I drink. When I don't have the package I bring some wine on board (pay extra for corkage) and maybe buy a bottle or two on board. No drink package means we will go to the Latitudes party and use our platinum benefits that include 2 bottles of wine per cruise (one in our cabin and one at Cagney's).
Set your budget, get out your calculator and do the math. Above all, have a great trip!