i am going to be a party pooper and say neither for a 3 yr old. it is just too much money.And at that age, they wont fully appreciate it I think ( much less remember it). i have looked into it for my own girls and i could never justify the price. there are meet and greets for free thru out the cruise. i second the idea of dressing her up and having lunch at Royal Palace instead of the tea.
My kids were happy with the character breakfast.
We brought our own costumes from home bought at the
Disney Store which is much cheaper than onboard and I did my girls hair-- this was for formal night. i think my girls were a little older than 3 on our first cruise.
I think when i looked into the tea for our next cruises, it was like $200 for one parent / child pair.
Holy cow, I could take my girls to tea at a 5 star hotel, buy them a doll at the Disney store and still have change left over. it is also *almost* the same price of a 1 day theme park ticket.
.
How about going on an awesome excursion instead?