Taking an inner state room can guarantee you the pitch black that you might want, but at the cost of never having any natural daylight in your room. Assuming you are U.S. based this may be o.k. for your Panama cruise, but I'll share for others that when we did our Asian cruise with an inner state room I felt like I never truly adjusted to the time zone change - natural morning daylight, however slight through the curtains, helps me. Drone from the engines is less the higher the deck you go. As to people noise, the timing and the cruise line you pick, can make a huge difference. Traveling during the school year can cut down noise from children. Prefacing this as acknowledging it's elitism, but avoiding the budget cruise lines will also cut out noise - less affordable for family travel and the harder drinking/louder young adults.
As to all in pricing, it is available on the uppermost luxury lines - I haven't traveled with them yet, but I believe Oceania and Regency have this model - but in the end you're still paying one way or the other.
Oftentimes you can get "extras" thrown in depending on who you buy your cruise through - our last Celebrity cruise we purchased through Costco and got the "standard" drink package, internet, and an on-board credit thrown in - a better deal than what we found directly on Celebrity's site. For lighter drinkers, especially if you'll be off the boat a lot with excursions, the economics of a drink package typically don't work out. First off both you AND your room companion have to buy it, so you both better like to drink. Secondly the per drink prices really aren't that crazy - typically $7 - $9 for beer, G&T, or other straightforward drinks. Many lines include non-premium wine or beer with their lunch/dinners, so for the one drink a day crowd you may already be covered. I think I've figured the break even point is typically >4 drinks per person EVERY day of the cruise. Then there's also the more expensive "Premium" drink packages for those wanting top shelf and more complicated cocktails, i.e. don't be surprised that even with a drink package (standard) that some cocktails might not be included.
Excursions can also quickly add up if done at every port and through the cruise line. Depending on where you're traveling the port can be a distance away from any sights. I haven't done a Panama cruise yet so I can't speak to that trip. I will say we got a much better tour, at less expense, arranging our private tour in Beijing. For our Viking Rhine river cruise the standard/included excursions at each port were completely fine, for that cruise I wouldn't recommend any of the optional ones in their stead. Celebrity does not include any excursions standard, all are an extra cost.
Wishing you safe and happy travels.