Customs takes about 2 seconds...(not kidding), its the red/green system. Immigration and collecting your luggage can take an hour or so, particularly as several flights from the US are arriving in close proximity.
There are dozens of threads here on hotels. There are about 8 hotels within 5 or 6 blocks of the pier, each with their fans. We like Embassy Suites.
You can make an 11:20 flight.
I am writing this from western Colorado...Glenwood Springs, to be exact.
There is also a requirement for a roundtrip cruise out of a US port to stop at a foreign port (not distant). Thus Victoria is commonly, but not exclusively used for this purpose.
If you paid about $50 per person, per day for HIA, then spending $50 to break even isn't that hard. 5 $9 adult drinks, plus a couple soft drinks, for example.
That doesn't count the free dinner or two, shore excursion credits, and, if your booking includes it, coverage of crew tips.
If you look around the board you will see many comments about staying right at the pier...there is a couple of hotels in the immediate area, and you can take light rail from the airport to very near the pier.
I have had this card for 15 years...just got it renewed and upgraded with tap capability. Americans have always been PIN resistant, and the agreement across the Visa system is Americans have not been required to get PINs. This issue has been around for at least 20 years.
Hmmm...just got a tap capable card, on vacation right now, using it widely, and no mention of this. This card doesn't even have a PIN. Agree...seems overly cautious.
This might be a Canadian bank issue.
@bdd123, the OP is asking about N. Amsterdam, which doesn't have restrooms in the Retreat area. Only the Pinnacle class ships have a restroom in the Retreat area. All the other ships with cabanas one needs to go to the entrance of the Crows Nest for a restroom.
I think most ships in that situation start letting pax off between 6:30 and 7. If you can be first off the ship, 10:30 would be the earliest I would consider.
That being said, when schedules come out, the airlines might have flights scheduled between 10:30 and 11, only to drop the departure back to something like 10am as they tweak and tune their schedules. And then you will be back asking if you can make this earlier flight. I would say no. As frequently discussed here, FCO is a very poorly organized airport.