LeeAnne,
For the formal nights, I generally wear one night all black separates then you can mix and match the accessories for other nights to be informal. And no one really cares if you wear something twice. We all get the logistics of a cruise and having limited space to bring things.
One friend of mine can do a week cruise with all carry on. Her evening wardrobe is literally one black outfit and one extra jacket and sweater. The outfit drips dry and she takes enough jewerly and scarves to make changes. No one knows.