I have a no fee TD American card (issued with my CDN credit card). Use for ships purchases and tips etc. Bill comes to me and I pay with my AM money account. No fees. If you pay with CDN card - you pay fees at clearing bank in US and with your home bank.
Been there! Have at least a jacket that is somewhat warm that you can wear home - the new light less bulky down meant for "in between weather". Wear when you board to leave home.
I did it once. I felt staff didn't want a "one". Yet have found even a table for two in MDR no problem and neighbors friendly and staff efficient and pleasant.
Same for 2022 cruise to Hawaii. Too soon after lockdown - excursions weren't as good as in previous sailings and late posting. Sept 2023 Pacific Coastal - few excursions and expensive eg $448 CDN for one in Los Angeles (substitute port for San Barbara). Excursions generally ho hum.
I like Santa Barbara - be sure to walk out to end of boardwalk. If you have a rental car the Danish village (forgot name is nearby) My cruise for Sept Pacific Coastal on Radiance dropped SB and gave us LA. Am not happy about it and may cancel. Monterey is also a bit of a ? mark. City seems to be wanting to limit ships.