Here is what I will say. The water temperature will be starting to get warmer in April, but may not be much better yet. The true water temperature changes occur closer to late May. The air temperature would be slightly warmer as well. However, you are beginning to head into wet season in the tropics at that point, so....it's a trade off. Slightly warmer water = slightly higher chance of rain. Cooler water = dry air and little change of rain. My DD (8 at the time) felt the water was too chilly, but she still made it out to Pelican Plunge once. DS (15 at the time), on the other hand, participated in the Wild Side Teen Excursion on CC and they go snorkeling and speed boating and he still had a wonderful time, even though the water was chilly.
It is all about priorities. The $1k would be hard for me to part with for the same cruise, when I could be using that for fruity drinks and port adventures, etc. But, you have to do what works best for you.

Also, keep in mind that we are Florida residents and my DD is born and raised Floridian. Our tolerance (or lack there of) could be a symptom of that. LOL