That is the difference, my last 2 P&O cruises I chose P4C, but because I wanted to ensure I could cancel and get a refund, the P4C price was, from memory, £135, meaning I could have saved £15 by giving up £120 OBC. But I still felt it was worth paying the extra to ensure I could drive straight in to the drop off lane, and not have to wait in a CPS waiting lane.