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Cruise, tour company or self directed of Aus/NZ?

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Never been to the area and since it's a long way from Michigan this will probably be our one and only trip there. Have a deposit on a 16 day Oceania cruise, but when all is said and done we will probably spend over $20,000 for two of us. So, I looked into About Australia self directed tour, which is about half that. Then I thought, why not just plan the tour myself, which would be cheaper still. Of course, the latter is a ton more stressful and more work in the planning and I'm afraid I don't know enough about the area to plan it well. To make matters worse we are traveling with another couple and that's a big responsibility. I think we would see much more of the country on land than on a sea tour (duh). Any of your expert advice is welcome!

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