We have had cabins on decks 2, 3,&4. Portholes seemed only difference. And, yes, kinda rocky around PR.
Husband has not taken a sportscoat in all our 13 cruises.
Regarding excursions: We purchase some onboard, but also like to go off on our own, hire a cab or just walk around. (Those we purchase are usually the more specialized ones, ie: Monserrat, Saba,Tortola, snorkling, the Baths, etc.). Never had a bad experience on doing either.