Our preferred traveling mode is FIT (Free Independent Traveler or Tourist). The secondary meaning, which does not apply to us, is Fully Inclusive Tour. This type of program include air and land transportation, museum and other entry fees, most meals, taxes and gratuity. That would be comparable to cruise fares. All one has to take is personal funds for shopping and snacks.
One of our friends has been going on some amazing vacations with Road Scholar Program, not to be confused with Rhodes Scholar, the prestigious world's oldest fellowship program.
Road Scholars began as Elder Hostels. The program is a not-for-profit. It promotes itself as "the leader of lifelong learning... the world’s largest and most innovative creator of experiential learning opportunities." My understanding is that expert faculties are employed to lead interested parties to national parks, film festivals, cross-country skiing, African Safari and birding, just to name a few example.
We might consider this option for one of our future international travels. https://www.roadscholar.org/
For Budapest, we will be FIT relying on local tourism offices, concierge at our apartment hotel and the trusted DK Eyewitness travel book on Budapest, a welcome gift from our family in La Jolla.
Aloha -- Cathi