When i am on a cruise, i do over pack a lot, but i like to have many things to choose from.
I might be the "odd" one here, but i change several times per day.
I may want to wear 2 different bathing suits each day, i may want to wear a different outfit in the morning than i do for dinner.
My hubby hates that I over pack, but i deal with it by carrying my own suitcases.
it really is dependant on what you plan on doing/going the whole cruise.