I just lost £170 deposit because of a similar issue after rebooking because current price on the Standard balcony was less than what I was paying on my original booking for a single balcony.
(Originally I'd planned on changing the deposit to another cruise but they weren't open on the Sunday I re-booked & then during the next midweek the terms & conditions changed to say I could only transfer to a more expensive cruise but being a 2 week Caribbean cruise & my next one being a 1 week med cruise it didn't meet the criteria.)
Agreed about the anonymity, lack of sailaways & entertainment team, we found the same on our cruise up the Fjords in May. Only time we heard from the Captain was the 6pm tannoy announcements generally.
When we were on Iona in May we got turned away from the dining room on formal night because 1 stubborn member of our party had decided not to bring suit jacket or tie so they do sometimes enforce the dress code.
Can't recommend Boots highly enough, £14.99 and test posted out to us, took the test & emailed the photograph through, got certificate uploaded within the hour.