I am so sorry. I agree with others that only you can decide what works for you. We had something similar last year. We had a cruise booked for our 10th anniversary (not
DCL, it was a luxury cruise in Tahiti). Before PIF, we were hit with a LARGE unexpected expense. We cancelled the cruise and did something smaller but still very special for our anniversary. Wait until the last minute to make the decision so you will have the best information and good luck!