My spouse wore a 94 or 95 ( i can't remember which) the entire time, on and off the boat. Exceptions were in the spa, where we were most every day, but was sparsely populated, and once we sat down for a meal.
I wore the paper masks provided. On the ship I was masked the same amount of time as my spouse. Off the ship, I tended to observe my space and get a feel for it based on crowding, air flow, etc, and would choose wether I would mask or not based on that.
We are both double vaccinated and boosted. Unable to get a second booster because of our age. Neither one of us have had Covid.