Regent Seven Seas is the most all-inclusive of the cruise lines because they now include shore excursions and a pre-cruise hotel night along with airfare and transfers. The all-inclusive shore excursions are particularly valuable in some destinations (i.e., Alaska). Be sure to look at Regent's website that some excursions have surcharges (i.e., dog sledding, helicopter tour, and other premium-type tours -- and rightly so). If you drink, the included alcohol is worth taking into consideration. Since you've sailed before, you probably know you can end up with a pretty hefty bar bill at the end of a cruise.

You can get a credit for the "free" air and "free" pre-cruise hotel night if you're using miles or, in some destinations and certain times of the year (i.e., Ft. Lauderdale), you may want to do some research on available hotels and take credit for the hotel and do your own. Your TA will be happy to offer some thoughts on that. Put in your budget a $100 pp air deviation fee with Regent if you're doing a pre- or post-tour and using their included air.

Regent's ships are all-suites, and soooo comfortable! Even their lowest priced suites are wonderful.

IMHO the decor and design of Oceania and Azamara ships are lovely and their size is ideal. The older I get, the smaller the ship I prefer (and the larger the stateroom). Azamara "Club" is more inclusive (i.e., wine) and they're including more overnights in ports. Oceania's new Marina is a beauty, and they've just released the rest of their 2012 itineraries.

Seabourn is all-inclusive for gratuities and beverages and their new ships have standard balconies vs. their older (but wonderful) ships, those having mostly French balconies. Suites are similar in size to Regent's suites. I think you'll find the service to be impeccable and food excellent. Because many of Seabourn's ships are smaller, they can get into some ports where the mega-ships can't.

By the way, you can also get a credit for the "free" air with Oceania if you have miles; if you're flying economy you may do better taking advantage of their included air. Your TA can give you a comparison.

Speaking of comparisons, based on your age, you should be able to get a pretty substantial savings by having your TA purchase your travel insurance through an alternate insurer rather than purchasing through the cruise line.

If booking Seabourn or Regent, look for sailings with Virtuoso Voyager Club benefits.

Hope this helps you decide.