As soon as anyone posts that they don't care to dress formally, others immediately chime is with comments like they'll be wearing raggedy T shirts, shorts, baseball hats and such which isn't the case in most instances.
Our formal clothing is pretty much the same as on casual evenings, which is not a suite jacket for my husband or heels & cocktail dress for myself. I haven't worn heels in over 40 years, especially on a cruise ship. 😉