Jim & Ann - Welcome to LCT. I enthusiastically second Priscilla's suggestion that using an experienced Regent agency, such as Brown & Keene (the best), is more important than being able to meet with the agent in person. Most of B&K's loyal clients live a long ways from Dallas and still get the best service imaginable from that group of talented and tireless ladies.
As for a good cruise in 2010 that ends in Monte Carlo, have a look at this one:
Dover to Monte Carlo Cruise We took it (in the reverse direction) a couple of years ago and loved it. Fantastic ports, our favorite Regent ship (Voyager), and some great promotions right now, with air and excursions included.
Happy cruising. Cheers, Fred