Hah! I know what you mean about the cruise ships. We see the Brittany Ferry most days and it does look like a floating fun-fair. I was passing an Isle of Wight Ferry many years ago and there were several cars with their alarms bleating away so I called them up and asked if they would mind identifying their sound signal. It was a bit pompous and tongue-in-cheek at the time, but, interestingly, we moved there shortly afterwards and I noted that the ferry staff had started requesting passengers disable their alarms. Probably a coincidence but I can't imagine asking them to turn off all the lights would result in a printable reply.
As Salty says above, UK sailing boats use a tricolour for sailing and pulpit/pushpit/steaming lights for motoring (the steaming light must be higher than the nav lights so is up the mast).