The auto gratuity is slightly more expensive, as is the initially ticket cost, to go NCL. The cost of the "free" perks appear cut-and-dry at $350 for the beverage for each room that takes it, and $35 for the dinner package. We are fine with these charges. However, if there are charges I'm missing please point them out.
On Carnival there are no included dining at all so we would pay full price if we indulged in that, in addition to gratuities. And while the Carnival Cheers is arguably the better drink package the cost would be more than double what we will pay for the "free" one on NCL, and we can't drink enough to make it worth taking at that point. Carnival does let you bring cans of soda and juice onboard and I do appreciate that. The consensus does sound like Panorama is a "funner" ship, and I do understand that's subjective. I think the onboard music options on NCL are more to my interests, as is the decor and overall look of the staterooms, and more laid back attitude and international dining options (as well as 2 "free" specialty dinners). Meanwhile my wife and kids are possibly more interested in the lively Carnival atmosphere and having more included onboard eateries to choose from at any given moment.
Decisions, decisions. But as this is our first cruise and we have no firm expectations going into it so I'm sure either choice is going to be a fun experience.