Disney or not, you will notice that all the pirates, including Jack, have certain health issues (scurvy hehe), and usually they look vaguely gross.
Elizabeth may not be thinking of the 'little things' at the moment, but as a matter of choice between what she would want to do and what she wouldn't want to do. I'm guessing that even if she ends up with Will, they may sail around for a bit, but I think you are just trying to be difficult about the sword-fighting, since it means that Will and Elizabeth spent a lot of time together.
Seeing bugs skittering about on the ground is a far cry from having it infest your food, clothing and hair. Granted, things back then weren't as nice as they are today, but being on a ship was still about as dirty as you could get.
If you're stuck in Singapore and you only have three dollars left to you and the clothes on your back, it may be exciting the first time, or maybe even the second time, but when you get mugged and raped because you're a woman and alone, I doubt you'd find it so exhilarating.
Since you find brushes with the law so much fun too, why don't YOU go off and take a bunch of risks. Let me know how much fun it really turns out to be. 😛
If we end up with a kid at the end of the film, and it sounds like we are, I somehow doubt that Elizabeth is still sailing around. I have a feeling that what she wants out of life is a little excitement, but what she really wants is a family (which can be an adventure in itself, especially if your son is like my cousin, that little imp).
And just because you would choose er...a horizon (which is dull after a while), and constant near-death situations doesn't mean Elizabeth would. 😄