It is more dangerous, but you shouldn't extrapolate too much from the Diamond Princess case either.
A vacation and also the associated travel is a special event that also affects the immune system, a cruise ship is a special and foreign "habitat" to passengers and crew and usually a lot more cramped than they experience in their every day lives, the demographics of people taking a cruise will differ from the demographics of most "normal" area as well. Cruise ships are a bit notorious for outbreaks of all sorts, from E.Coli and noro to legionella and even measles, and corvid-19 too.
And on top of that a study[1] found that the total quarantine the Japanese government imposed didn't help either, but actually worsened the situation, to 700+ infected while the study estimates that if people were let off the ship (but still monitored and treated of course) then only about 76 would likely have been infected. This decision was likely fueled at least in part by over-the-top news coverage and the political pressures this created.
[1] https://academic.oup.com/jtm/advance-article/doi/10.1093/jtm...