Thanks, Itried4498. Operator wouldn't directly answer my questions pertaining to port schedules/ship times but did try to steer me to another option that was more flexible timewise. The operator did not offer a refund if we didn't arrive in time, unless the ship fails to port which would trigger a full refund. Can't blame them for that late arrival policy since they would be reserving space for us on a tour that has a set schedule.
I have booked many non-cruiseline excursions, but they have typically been private and/or offered more schedule flexibility. I will likely pursue other options (no sense in adding stress to vacation) but would still appreciate any feedback from recent Panorama cruisers as to what is the earliest time (local time) they were able to get off the boat in PV. We cruise in late January.