Hi C.,
I understand your resistance to the cruise and I think that you can afford a Disney cruise, it that would be your best bet. We have a 2 1/2 year old and my husband's parents have booked a cruise for the whole family (7 adults, 1 ten year old and our son). I was so upset when they wouldn't really listen to me about my concerns about going on a cruise in the first place and then deciding not to use the Disney cruise line. I am trying to be upbeat about the whole thing but it is hard. We have cruised before (before kid) with friends and had a great time and looking back now at the things we did, I know I won't be able to do even half of the stuff I did then. (My in-laws picked a Carnival cruise to the eastern carribean in August of all things. Hot, Hot, Hot.) I called the cruise line and asked about age restrictions in the dining room, etc. because he will only be old enough to do one or two of the excursions for the whole trip. This was the biggest down side for me because my favorite parts of teh cruise are the shore excursions, riding horses, swimming with rays, snorkeling, scuba diving, etc. We won't be able to do any of that stuff as a family because our son is too young. Alot of the excursions have age limits somewhere between 6 and 10. The Carnival rep said that I should just leave my son in Camp Carnival on board the ship. But whats the point if you want to do things together. Anyway, as a antidote to my doubts of having fun, I have been trying to think of things that we can do together just on the islands without any organized group. Like playing of the beach and walking around, if it feels safe. (We didn't have a good experience in Jaimaca on our last cruise but we are going to islands we haven't been to before this time so..) I am sure that the grandparents and aunts/uncle and cousin will be happy to do stuff with him while we go have fun but he doesn't know them very well since they live in Texas and so we will just play it be ear. Meanwhile, I am trying to prepare myself to be with him most of the time and just take things that I can do during nap times and such.
Good Luck. I know it is tough to know until you do it so I am trying to keep an open mind that I will discover some other great things to do with my son.
S.