I define "formal" as anything from tux / long dress to nice dress pants with a nice top. I have read the pros and cons of formal night on cruises, but what is your definition of formal?

I define "smart casual" as neat clean outfits that can include shorts, pants, sun dresses, "Hawaiian or tommy bahama type shirts"  etc.  I do not include logo type t-shirts in this category but do include nice regular t-shirts.

Again, I can care less what anybody else wears on a cruise - I am more curious about your definition of cruise attire ...