RE: Cruise Sales Strength Continues as Holland America Line Sees Biggest January Booking Week on Record30 Jan 2023 19:57
You can book a Non-Refundable rate, or a refundable rate, and then just before final payment date, re-calculate onto a non-refundable rate, which is lower to make the final payment.
That way, you don't actually lose anything.
As I've done well over hundred cruises, mostly within the US, that is exactly what I do all the time.