It is your money to lose, so you gotta do what you gotta do. I am also not a fan of crowds and tend to take time for myself quite a bit during some cruises so I get it.
Something to consider instead of losing all of the money. If you do a later port arrival time, the terminal will be pretty empty, and you can easily get right on the ship. And you should also be able to get to your stateroom without waiting if you go around 1:30-2:00 pm. The mandatory safety drill is unavoidable, but perhaps you could speak to someone about it and explain your anxiety, and they can provide assistance.
I am a massive fan of the nightly shows, but if you are not thrilled with crowds, the pool decks are pretty empty in the evenings because people are at the shows or dinner.
The three main dining rooms are pretty crowded, so if you want to skip the main dining room for dinner service, room service is an option. Also, the quick-service meal selections on deck are very nice.
Marceline Market (the buffet for breakfast and lunch) tends to get crowded, but there is always a sit-down meal option in one of the three main restaurants for breakfast and lunch. It is usually not very crowded, so I would recommend eating there, too. There is also a card in the room to put out at night for a continental breakfast delivery in the morning.
There are ways to avoid many people if you look at the schedule and hang out in other spaces while the big shows and events occur. Explore the ship early in the morning or late at night. Also, most people will be off the ship on
Castaway Cay day, and you can enjoy it then.
I hope you can go and find a way to enjoy it, but also understand if it is something you feel you can't do. If you can think of any more questions, I would be happy to answer them.