The opposite might be true as well. Right now I have 2 cruises booked on Princess and wanted to change up things a little. I wouldn't consider anything below a balcony category anyway. Variety and all that spice of life cliche. I'm happy not to cruise at the last minute if the price is higher or there is no cabin that suits me. I am retired and can do last minute travel as easily as long planned in advance.
Everyone has a different set of values and spends as they see fit. With so many options right now I don't have to cruise with any particular cruise line if I don't like their policy.
As to question of how many cruises I've had to cancel, it's very few and far in between but at a certain age (such as retirement) things are more unpredictable. I never take insurance because I have Medjet to get me home and my health insurance covers me anywhere in the world.