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Depending on the length of cruise governs the number of formal nights if between 9/14 days then likely there will be 3 formal nights when you could where your suit or a tux which ever is your choice, I prefer the tux option. All your meals are covered unless you want to eat in one of the speciality restuarants then there is a cover charge for this. You do have to decide do you want the formal dining room where you will have all your main meals at a set times each evening or do you want the anytime option, but others may comment further on these points, enjoy your cruise. We prefer the fixed option as we have the occasional snack during the day sometimes on the ship and others when ashore, so that suits us but not everyone.
Bite the bullet and wear the dinner jacket. You'll look and feel fantastic. There's nothing sexier than a man in a dinner suit (think James Bond!). My husband was dead against it until he bought one by accident (a story I've told before). Now he prefers the DJ to the lounge suit. Have a fantastic cruise.