Wow. Finally caught up. Slow down, people, it's not a race.
@Haley R, yes, you can change the card on file, even in the middle of the cruise. We did it to get the discount on pics (when using the Disney Visa). Also, there are so many things that people rave about on
DCL that are upcharges, but I'll add that we usually leave without a huge bill and have always really really enjoyed our trip.
I hear you on the AFs, but honestly that Gold card is awesome. Who doesn't spend money on food? And those 4x points for food is really nice.