Can only comment on the QM2, ship is quite elegant however all the faux wood looks very plastic. We also found no where near enough places to sit and have a drink pre and post dinner. Bearing in mind this ship is at sea a great deal the inside space is inadequate.
It certainly is not posh, far from it with the amount of moaning British on board.
Go to www..Cunard.co.uk there is a virtual tour on this site for the Q.M.2 &Q.V elegant yes refined yes, sophisticated yes posh no.