Mine is similar to f-mattox's. Double check the lists and last minute things I may have forgotten. Seems like no matter how well I prepare, I'm still scrambling around doing things. I am big believer in lists. I'll never forget the time I left my dress pants hanging in the laundry room, or the time I left the battery pack for the camcorder.
I always go a day before the cruise if flying. If driving, the night before - the day before, and enjoy the port hotel with fellow cruisers if it is a group. Going from work stress to a cruise requires a 24 hour decompression period for me.