We never had a problem with being below the area now called the Sunset Bar. Well, I take that back. One day somebody dropped a cigarette and almost hit me with it.
The difference is when they modified the ship and added the family cabins with balconies on the two lower decks, they are stepped so you can see into those lower balconies and ruin their privacy.
When we cruised in the aft cabins they were the only ones. The area below was sheet metal.