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We had early disembarkation in N.Y as self help which means you can carry all your luggage YOURSELF the 200 metres off the ship through customs and then to the pick up area which is just outside near the taxi stop. Many people had lots of luggage and managed it. We were off the ship, through customs and into a taxi by 7.30am, we got dropped off at Wall Street at 7.45am...15$ including 3.5$ tip.
This on a ship where there were 800 people transiting (going back the same day. so no luggage and getting off early).
I did notice the lines growing a little bit while we were waiting the few minutes at customs.
Get up early top deck 13 on arrival at New York watch the ship go under the bridge.. Be up top by 4.40am to be on the safe side. Then either have an early breakfast at 6.00am and then disembark as soon as possible or leave the ship as early as possible (7.15-7.30)
I wouldn’t leave it till any later as the queues might be more unpredictable.
With early disembarkation I think you could easily be off the ship by 7.30-7.45am.
Don’t miss coming into N.Y. under the Verrazano narrows bridge always a highlight..........4.40am
If you are a us citizen you should clear customs and immigration in about 30 min if UK citizen then about a hour plus .