I find I get somewhat anxious being at home and not doing anything, whereas it’s just psychologically easier in the middle of the ocean.

I’m happy to pay the cost to be in an environment that I can actually relax in.

Hear me out but maybe spend the cruise money for getting coaching from a psychologist/therapist to help you with feeling anxious at home? That doesn’t sound like a great overall attitude, having stress responses at home and work related

In a less serious way there is the possibility (and therefore a potential expectation) of being 'productive' when at home. Chores, errands, unfinished projects and all the other daily life that surrounds you.

For me, any time off spent away from home has a different timbre of rejuvenation and I say that as someone who loves being at home.

I think that's totally fair. I tend to like fairly active vacations for the most part. But it's also the case that, when I'm at home, I also feel the pull for all sorts of tasks that are pretty much endless.

I think this is overstating the power of psychological treatment and therapy. Getting away from the normal routine for a bit is probably an ancient therapy for restless humans. I'd rather pay the cruise line than the doctors office.