It is really a personal choice on how dressed up or underdressed you decide to be. I will tell you the majority of people do dress up at least a little, there will be a few that look like they are off to prom but they will be the minority as most of the people look like they are going to a nice holiday party or wedding reception.
If you wanna go for more of the casual formal look I would say follow the below.
Men - Slacks, button up shirt and tie
Formal night - I would stick with a darker slack and maybe a black button up to give the appearance that he is more dressed up then really he is.
Semi - Formal - I would go with a lighter slack (cream / baige) color, and a light color button up shirt.
Women - Dress or skirt
Formal night - I would again go with a darker dress color, black, brown
Semi - Formal - Maybe a lighter color dress like maybe one you would wear to church or on a special holiday......skirts are fine also
For kids - pretty much the same as the mommies and daddys.......dresses and slacks and tie
However if you chose NOT to dress up at all it's NOT like they won't serve you or allow you to dine in the dining rooms but I can tell you that you may feel a bit out of place because the majority of people do dress up at least a little........
Palo dress code if you booked is the same as semi formal night
Dress Code (according to
Disney Cruise web) I copied and pasted.....
At Palo, dress pants and shirt or jacket is required for men and a dress or pantsuit is required for women. Please no jeans, shorts, capri pants, flip-flops or tennis shoes.