I went on an ultra-luxury cruise that sails with up to 68 passengers at a time. I loved it, but it's not for everyone.

Jill Schildhouse

• I've been on megaships and river cruises. I think the latter is the way to go if you can afford it.
• But river cruises might not be for those who love having 24/7 activities and Broadway-level shows.
• River cruises feel intimate and personal. If you want to be left alone, you may prefer a megaship.

As someone who's been on 24 cruises — including megaships, yachts...