Of course it is a personal choice. I envy you for not caring - what a lot of money you save.
Personally, we would stay at home if we could not have a balcony. I love to sleep with the doors open and hear and smell the water. I love to watch from our our balcony as we arrive and leave the ports. I love to relax on the balcony while waiting for DH to get out of the bathroom!!! On port days I love to be awakened by the arrival of breakfast which we can enjoy on the balcony to save time going to the dining room.
To each his own.