On Sunday morning two NCL's were in port. One was the Spirit. I couldn't read the name off of the other. It was bumper to bumper traffic, including the ship's terminal ramp. Droves of cruisers were pulling their luggage across Henry Hudson Blvd.
I know what you mean about living in your own state and not seeing the sights. I visited Niagara Falls, for the first time, 5 years ago. And, no matter how many times I've been to the city, there's still something we wanted to see/do, but didn't get to do it. If you get a chance to get to South Street Seaport, visit the Bodies Exhibit. It was outstanding and well worth the $21 pp fee.
Have a great cruise Mike!