Comparing a luxury cruise ship - yes, the Carnival Triumph does (did?) qualify as a luxury cruise ship - to an overnight ferry ride is like comparing a Lexus to a Yugo.
Your trip on the ferry sounds terrible and I would not want to do that.
What I suggest for you to do is to come to Florida by air, rent a car for a few days and go to some of the areas around Palm Beach, Singer Island, Boca Raton and then take a 10 day cruise on the Celebrity line to the Southern Caribbean. Book a cabin with a verandah. You will become hooked on cruising. Best time to do this is late September to mid-November.
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