For me, as a vaccinated person who lives in Florida, I am willing to go to Disney World during Covid times, but I'm not willing to go on a cruise. I've been to Disney hundreds of times, maybe thousands, and I've been on nearly 30 cruises, so I'm very familiar with and comfortable with both. I have been back to Disney in the past few months, but have not been back on a cruise yet.
My biggest hesitation with cruising now isn't a fear of it being unsafe or unclean - with their vaccine requirements, testing, and cleaning I'm confident in the safety. But if they decide to enact severe restrictions or lockdowns after positive cases onboard, there's nowhere you can go and you can't get off - it can become too prison-like for me. Locked down in your room, not allowed out to any common area, food being left at your door to eat in your room, skipping all ports, and even being told to stay onboard days or weeks after the ship returns to port (or not being allowed back to port)...it happened to many ships at the beginning of the Covid outbreak, and I'd be too worried that if they got a certain number of positive cases onboard, even with everyone vaccinated, they could go back into that lockdown mode, keeping everyone in their cabins and skipping all the ports. With Disney World, if things are tracking bad, outbreaks becoming too frequent, you don't like new restrictions introduced, etc - you can always just leave...and if you stay, you can avoid the parks, still have plenty of space around the various resorts to get out and breathe air and avoid other people. Just another perspective to consider on the Disney World vs Cruise discussion.