Booking MSC is a choice of experiences. Bella is the entry level and Fantastica is one step up. Cabin sizes, layouts are the same, just locations differ. The basic difference is that with Bella, you do not have free delivery of room service. (The on,y free room service items are continental breakfast). And with Fantastica, you can request dining time. Both offer only fixed dining times, seating.
The next category up is Aurea. Mostly suites, open dining which may be in a different dining room.
Most expensive is the Yacht Club, the ship within a ship concept with limited access, separate dining room and deck areas. Some compare it to Haven on NCL.
I’m in the minority on this board in that my four cruises have been with the masses not in Yacht Club. I have another cruise booked for August in an inside cabin, Fantastica. I don’t find the public areas to be overly crowded. But I’m an old lady and no longer need a pool or a lot of sun.
Because most cruises that are at least 7 days have a large proportion of non-north American cruisers, the entertainment is mostly musical. I suggest you sift through this board for threads from those onboard, as they may be posting activity sheets, and menus.
All for me right now. EM