It depends on your budget.
What few people realise is all the cheap deals are inner cabins. To sleep in a cabin with a window (porthole) you pay serious bucks.
As for the all inclusive, it will depend on how much you drink or eat. We went all in because I eat like a horse everyday and drink like a fish. The only extra was champagne. It is therefore good for your budget because on an all in boat, all you will need is a few pounds for nick-nacks and the casino (which is not really my bag)