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I've never cruised before but my husband has and we're getting ready to book on the century.  You do not have to book a shore excursion, you can do whatever you want.  You can get off and walk around or take a taxi somewhere you want to go.  You can even book your own excursions without an outside company.  Frommer's Caribbean Ports of Call book has some great info on things you can do on your own and it also rates some of the excursions.  1 excursion per port would be the maximum I would think you can do!