I understand you are upset About this and you´ve made up your mind About cruising RCI in the future. While I have a different take on this I want to say I applaude you for your decision, as for you I think it´s the Right Thing to do. If you are unhappy vote with your wallet. Don´t give your hard earned Money to someone you don´t want to deal with. All too often we read the complaints here and the threats to never cruise RCI again and then they Keep coming back. So kudos to you for this decision.
However you asked for opinions and I´ll give you mine. While unfortunate but technical failures do happen. So I would file away the bus break down as just some bad luck without having to put some real blame on anyone. The place you visited I´ll give you the Edge of the doubt on that one, as it´s hard to tell without knowing the exact tour description and the place you´ve been to. I´ve been to places on excursions I had a very different expectation About, which resulted in disappointment, though we went to the exact place described. As for the lunch, again I don´t know what exactly was promised in the tour description in regards of Food and especially Drinks. Personally I try to avoid excursions with meals included. I´m a picky eater and would likely not enjoy whatever they give me. So Food is very very subjective.
Now for the naked man, which I think was the straw that broke the Camels back for you, That is the one incident I don´t see any blame on anyone. This is something neither the tour Operator nor the cruise line could avoid. Personally I would have just chuckled over this, but nakedness is no offense to me. I´m really used to seeing naked People and I´m one of those who would never enter a Sauna dressed and if I´d go to beaches I might Chose a Nudist one. But we are all different and I don´t blame you for not wanting this sight.
As for the Suggestion of calling the authorities - I don´t know the laws and authorities in Jamaica, but could it be that this is something they´d not do anything About?
On a Little lighthearted note - How much more "Native" could your tour have gone?😉
To sum it up you weren´t happy and as you should have you have told RCI About it. I´m not sure if all of this should have deserved any more Attention By RCI than it did. Mot important however, you have made a decision and for your own Peace of mind you should move on from that decision and stop Looking back.
Happy cruising on whatever line and ship and best of luck with that decision.