bushwacker,
First let me say welcome to the boards. You will find very helpful and friendly folks here to answer all of your questions.
You need to give us a little more information like when you are sailing, and who is in your party (include the ages of any children.)
If you are doing the land/sea package you will need to make PS's for any meals at WDW or you could wing it and go without ressies,(depending on what time of year you go). All meals on the ship (except for Palo's which has a $10.00 charge per person) are included in your package, but you will need to budget money for your meals in the parks.
The cabin catagory you chose for your cruise, will determine the resort selection you will have. The lower the cabin catagory, the more deluxe the resort. You will need to determine how important having the verandah is to your party.
The concensus here on the boards is that a 3 nite cruise is TOO SHORT. You may want to consider the 3 nite WDW with the 4 nite cruise package.
Give us some more information and we will try our best to help you make some decisions.
Welcome on board!!!