As I mentioned in my post way back at #2, people reacting appropriately and according to directions is really pretty important to all this talk about being dressed warmly, etc. In our most recent experience with inappropriate behavior, we had a fire alarm sound at about midnight on a HAL ship, with their excellent 3 step procedures. The Watch officer (notably, a female) came on and directed the crew to respond to a fire in the Lido galley area (small fire, put out mostly by sprinklers) and directed passengers to return to their cabins and await instructions. We were asleep in bed, got up and dressed. After maybe 5 minutes we heard a disturbance in the hallway. I opened the door ( first looked out the peephole, saw people, no smoke) and observed about 20 people stumbling down the hall. They were stumbling because half had their life vests on, the other half were carrying their their vests, with belts dragging and tripping people up, which explains the stumbling. Very surprised no one got hurt.
I went to our balcony and could hear people on the promenade deck, by the muster stations. Couldn't see the area, but heard a number of people talking and laughing. A couple minutes after that the Watch officer announced the fire was out, and the alarm had be ended. Back to sleep.
Keep in mind, there were NO instructions to respond to muster stations.