Great info, but please let me make it very clear ...
Europe is not the mugging capital of the world so please don't be overly worried about having things stolen.
It's the same in ALL big cities that have tourists .. new York, Orlando, London, LA ... All the same I'm afraid so just be careful, don't flash cash and diamond rings around (like you would!!!) and keep your bags with you.
We have lots of ATMs in Europe, but you may want to get some Euros beforehand, or change some on the ship .. I believe the rate is a fair one.
I think I've already mentioned the company we used in Italy, but it's worth putting it again so you can get quotes from them too ...
Www.yourtourinitaly.com. I can't recommend them enough .. They organised a tour guide for us, advance tickets, all their drivers spoke perfect English, they were polite, good drivers, informative and just generally excellent!! The owner is called Aldo and its his sister who responds to the emails.... Not sure they'll remember me but we had 42 people on a Rome trip last year .. If you do email, tell them I sent you (maybe I'll get a free holiday to Italy)!!!
We're on the 4 night 6th August and the 7 night 10th August .. A little back to back in the Med!!!
Joa
ETA: we all use Whatsapp .. It's great! You can also get free pay as you go sim cards here .. If anyone would like me to look up more info about them for use in Europe, just pm me.