Good morning.
Here are a few answers from a repeat cruisers' point of view:
Since Panorama is the uppermost deck, if there is any "roll" due to heavy seas, you will experience it more than others.
No fridges that I've encountered, but the stewards are ususually quite good at providing ice and all other amenities upin request -- and often before you know you want them.
Deck hogs? Sure, but that's no surprise given the number of different personality types. Finding a nice deck chair is usually easy.
Formal nights -- Sainted Wife Mary Beth She-Who-Must-Be-Obeyed -- tells me that there will only be one. I wear my wedding tux, just to get some use of it, but I find the formal nights merely dress-up fun. It's what you make of it.
Safe size -- relatively small, perhaps one-third of a cubic foot. It'll hold your passport, wallet, some jewelry.
Radio and alarm clocks? Nope. But the TV will give you some audio and stewards will wake you.
Final, unsolicited advice -- dress for the climate; we're not going to Jamaica, mon.
Be well.
Earl Carl