Pam,
There are no extra charges to eat at the Polo grill and when I sailed with them, I made it a point to eat there as often as possible. Of course, I am a carnavore so I was in my element. They have a number of cuts of meat I have not seen often on ships i.e. porterhouse. I found the quality to be quite good for a ship.

Oceania's pricing initially is 2 for 1 and free economy air. If you elect to do your own air, you receive an air credit. There are air fuel surcharges, fuel surcharges,and government taxes in addition. You have open dining. Gratuities are added to your shipboard account, $15 per person per day for Penthouse and above. $11.50 per person per day below Penthouse. You must purchase bottled water, soft drinks, and all alcoholic beverages. They do not keep you from bringing your own drink selections aboard but request you consume them in your suite and not in common areas. You can purchase wine and bring onboard but there is a $20 corkage fee in the restaurants. When we sailed last summer, we brought on bottled water, Cokes, mixers, a bottle of Rum, and Amarula. We had our own bar in our suite and it worked out perfect as well as we had bottled water for shore excursions.

On most of our groups, we offer prepaid gratuities, which is an additional savings.

While I thoroughly enjoy Regent, Oceania does have some interesting itineraries and I agree with Jan once you take a long flight it is nice to sail more than 7 days. However, it is a challenge to find the time off. With four children to put through college it will probably be a long time before I can afford to join you in retirement Jan and sail the world.