So I invested in a big bad serious DSLR camera many moons ago (where you can change lenses and all that jazz). Cost about $1100-1200 and then have a slew of different lenses for wide angle or zoom. 
I love cruises and all the surroundings, but I love beaches and water fun. Curious to find out about everyone preference and do you generally bring a smaller pocket camera or use their cell phones, or do you bring your $1200 camera and equipment for the treck. I'm always nervous in various ports with crime, and then there is always water/sand damage. Now I did bring my camera to Maho, but was always anxious to make sure someone did not walk off with it, or was dirty/sandy. Cave tubing I have not wanted to bring it, although I am missing great photo ops... 

The struggle is real... Enjoy life/cruise or take amazing pics.