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Cold really isn't the issue in October, but hurricanes are. I cruised Caribbean in 10/2000 and 9/2001 (yes, unfortunately on the 11th) and had no hurricanes or cool weather. It was as they say "hot, hot, hot!"
I thought the question was going to be about the best place to cruise in October. The answer to that questions is a) Mediterranean, b) Canada/New England (fall foliage),