when we go to an all inclusive we never leave the hotel. I’m those that just lounge by the pool/beach all day
If that's what you prefer to do on holiday, then it's possible a cruise is not for you. The pool on a cruise tends to be very small, and getting a lounger by it can be challenging. Visiting beaches can be fun on a cruise, but almost always involves a taxi, bus ride, boat ride or excursion - there's not many places that a cruise ship docks right by a beach, at least in my experience. I'm sure there are some, but I can only think of one or two that I've been to.
It also depends on how much of a budget you have. If you don't want to do much planning, and are prepared to throw money at it, then ship excursions are a good way to go. But if you prefer to save a bit on excursions, you can book your own through Viator or similar, or just do your own thing. Usually cheaper, but may require more planning, and be a bit more stressful making sure you are back to the ship on time. I got quite worried when we got stuck in a small shack in the middle of nowhere in Colombia, and our ride back to town got stuck in traffic after a lorry fire shut the main road. We did make it by the skin of our teeth, but it was touch and go.
At the end of the day, the more you spend, the more will be included and the more luxurious it will be (some cruise lines include excursions, but these tend to be the higher end lines, and cost way more anyway). Only you can decide if it's in line with what you usually pay, and whether it's what you want to do. If you are generally one for lying in the beach/by the pool, and not doing too much, then I don't really see the point of paying out for a cruise.