Your Port Arrival Time, often called your PAT, is assigned during online check in and is based on a few factors like your Castaway Club status, stateroom type, and how early you complete the check in process. It helps Disney manage the flow of guests into the terminal, but it is not quite as rigid as many first time cruisers assume.
The biggest warning you will see online is about arriving too early. Disney is very strict about this, especially at busy ports. If you show up before your PAT, you may be asked to wait in your car, in a parking garage, or in a holding area outside the terminal. During peak summer months, this can be hot, crowded, and uncomfortable, which is why Disney strongly discourages early arrivals.
Arriving after your PAT is a different story. As long as you arrive before the all aboard time listed on your sailing, you are generally fine. In fact, some experienced cruisers intentionally arrive later than their PAT. By doing so, they avoid long lines at check in and often move through the terminal much more quickly.
It is also helpful to understand that your PAT is not the same as your boarding group. Boarding groups are assigned after check in and determine when you are actually called to board the ship. If there are no major delays at the port, arriving a bit after your PAT often lines up nicely with your boarding group being called soon after you check in, allowing you to walk straight onto the ship with minimal waiting.
If you prefer a calmer start to your cruise and do not mind skipping some of the early terminal excitement, arriving after your PAT but well before all aboard time can be a smart and stress free option.