It may not be a big deal to you...( that’s your privilege)....
....but my husband refuses to do it!.....and I agree!
I am sorry you both have reached the conclusion to skip cruises. There was not one iota of any problems during our cruises in September 2021 and November 2021. Not only that, we both enjoyed getting away from household chores for a few days, and the prices were record breaking good deals.
Based on that experience, we booked 2 more cruises in the next 2 months. $525 for 2 on a 4 day cruise with all taxes and gratuities included for a balcony cabin, was a great deal for repeat passengers, from Carnival cruise lines.