John, I've been to Helsinki, Inverness and Liverpool. It's been a over a decade, so some things may have changed.
Helsinki is a fairly lively city, many parks and lovely shopping areas. It's pretty easy to get around, transportation is good; if it were me, I'd see what the cruise line recommends on their excursions, then simply go ashore, get a map and go to some of those places on my own. Jackie will enjoy the shopping there. Specialties are Rya rugs and scandinavian ceramics.
Inverness didn't have a lot going on when we were there. We thoroughly enjoyed hiring a car and driving out to Loch Ness, though. The gorse and the heather were blooming on the hillsides at the time. It was quite lovely. If you have a chance to hear the scottish harps, that would be special. Scotland is the home of the double-strung harps - quite brilliant and lovely sound.
Liverpool is a working-class city and, IMHO, best avoided. When we were there it was a jumping-off place for Ireland. However, the town of Chester is nearby, and that place is a lovely midieval town with half-timbered homes, inns and pubs, great shopping for antiques, and a well-preserved section of Hadrian's wall and other Roman ruins. Take your camera!!
Hope this helps...