I guess I’d say 3. We did one with Carnival and stopped at Cozumel, Belize, Grand Cayman, and Roatan.
In Cozumel, we walked to a little resort and enjoyed all food and drinks we wanted. Was okay, but we didn’t want to swim in their pool or go into the ocean, as cold front made it cooler when we were there in January.

In Belize, we booked a boat ride to a little island in the middle of the ocean, where we snorkeled with a guide, who was great, and had lunch there too. Picture from that speck of sand the island was.
Booked it through Carnival while on the shop, as place I had booked, cancelled due to sea conditions. Nice thing, the boat to the island and back was right from the shop. My daughter and I took the tender into port. Was very junky, and I think was the most expensive shirt we bought that cruise. Our cruise was in January 2019, on the Legend, round trip 7 njght from Tampa.
My adult kids said next time, we are going in a much larger ship. They found the Legend boring. To be fair, was a smaller, basic ship, and because was smaller, fit under the Tampa bridge. Picture from a portal as we went under the bridge by inches.
My kids have only known cruising from the two other Disney cruises we did, on the Fantasy and Magic.