You would be wrong. You own a travel agency and thus get a significant discount on your cruises (I have a relative who owned one until her untimely death). Some are much better than others (I agree with your statements about Carnival and Celebrity). Bermuda IS exceptional for golfers, but it is also a wonderful family destination with the bus and ferry ticket system, Crystal Cave and the gorgeous sandy beaches. I recommend the southern Caribbean cruises, but the east and west are also good for those beginning to cruise.
We took the Alaska cruise on the Princess Line, several years ago.
All of the side trips were a blast, the food was excellent, the crew were super, we had a great time.