For us, it has nothing to do with money. It has to do with suitcase weight and space. As non US travellers, a
Disney Cruise forms part of a much longer holiday. Suitcase weight and space are major issues given I don't want to have to spend holiday time sitting in a laundromat. On that basis, packing two pairs of dress shoes which we'll only wear once doesn't make sense (for us).
On the one time we did go to Palo, we did our best to abide by the dress code (I wore plain, dark brown leather hiking boots, which I'd cleaned as thoroughly as possible and my husband wore plain, dark brown suede "sneakers"). If we'd been refused entry or made to wear "loaner" shoes, then so be it.
I just wanted to point out that it's not necessarily about money. Although, I guess it kind of is about money since we're really trying to avoid additional airline luggage fees which can be ridiculously expensive - far more expensive than two pairs of dress shoes!