I would definitely dress up if it was formal or semi-formal night, because that is what we are supposed to do. Do I enjoy dressing up? Not at all. However, I love seeing my girls all dressed up, plus it gives them another chance to wear those beautiful prom dresses that they never get to wear once prom is over (one of them has prom tomorrow night and her dress will be worn on our next cruise). As for my husband, he does not enjoy dressing up at all when he is on vacation, but he will wear what is expected of him. We are self-employed and he works anywhere from 12-16 hours every single day (7 days a week) and the only time he gets to relax is on vacation.
I will admit that the reason I hate dressing up, is that when I was growing up, my father was an executive with a big company. As kids, we were always expected to dress up and be the picture-perfect family. We were never allowed to wear jeans, and to this day, my mother has never owned a single pair...I personally live in jeans and would wear them everyday to work if I could. So in all honesty, my aversion to dressing up is probably some kind of rebellion from my childhood!