You are certainly remembering some things wrong! LOL 17 years ago, there was no wifi. And the dial up service wasn't free. (and you don't NEED it for a 4 night cruise, but certainly should buy it if you want it).
The included drinks 17 years ago are basically the same as they are now, except that actually there are a few more included drinks, like flavored waters. So, the refreshment package isn't "necessary" by any means. Definitely cancel your husband's package, from your description of his habits. For you? The peace of mind of not wondering how much those lovely virgin daiquiris are costing you is probably worth it. 😄
I never have difficulty finding a quiet (free) lounger and umbrella on CocoCay, but I'm trying Hideaway Beach in March, because it was so cheap. (I got it for $18.99) While Hideaway Beach is billed as "adults only", they are trying to market to younger adults, saying that there will be "nonstop music" and excitement. 😮
So................all of those extras truly are optional. Only you can judge their "worth" or "value" to you.
Whatever you choose, enjoy your first cruise in 17 years!