I would probably have enraged the OP if I had mentioned the exact type of cruise we're going on but it's one where everything is included in the fare, drinks, tips (and you don't tip unless you actually want to since it's already included), gratuities, all food on board, a good list of wine and champagne that are complimentary a bottle of champagne in your room, stocked bar and mini bar drinks-wise with your choices. If you want something like Dom Perignon then yeah that's an added charge.
We are the type of people that would never buy the
Disney Dining Plan because it wasn't a good value for us but the more I got used to the idea of how this cruise would go the more I started feeling off about going to a cruise where I'd have to actively think about the costs. I'm price-adverse where I will downgrade my own experience because I don't want to spent X on Y. I've gotten better at it through the years but in some ways that's probably why I was like this with this cruise wanting one where I didn't have to feel bad about that drink or wanting that meal. This cruise is our ultimate splurge in all of our 15 years together. But like you said treating yourself

In our day to day lives I'm the person who hates paying $0.75 for a side of ranch