You're not the only worrier! If it were just me, I'd happily do it all on my own. With my daughter...I just don't want to deal with it and would rather DCL handle the logistics. On our DCL Med cruise, there was one excursion we were on that had issues. By the time I got back to my room that night, there was a message on my VM letting us know they were crediting us back 50% of the cost, which was more than fair. I didn't even have to ask. I guess I just like the comfort of having DCL people along on the excursion and dealing with unexpected issues, rather than trying to follow up with some random excursion company once I got home. I'm sure everything would be fine, but I don't mind paying a bit of a premium for DCL, especially if they offer some particularly kid-friendly things like they did for the Med.
Of course, I can't really say for sure until they POST THE EXCURSIONS ALREADY!!!
Of course, I can't really say for sure until they POST THE EXCURSIONS ALREADY!!!