We do much more independent travel. Been on 2 Tours, one of which was a RS tour. I will say without any hesitation that for me the tours are a much more relaxing trip. The planning required for the independent travel can be intense, to say the least. Train schedules, site tickets, private or group tours bookings, booking hotels, etc, it can be a lot. The tours on the other hand your schedule is more or less set, hotels and many attraction tickets are taken care of for you. Get to the bus or meeting point on time, do a bit of research, or take a guide book and you can more or less be good to go. The guides often have great tips for you as well.
So on a very personal level I get tired of living on someone else's schedule at some point in time. That is the biggest down side of the tours. I'm good for about two weeks, then I'm ready to strike out on my own. We will take more tours for sure though, and mix it with independent travel before or after the tour.
As to touristy and crowds, just be ready for them. People all around the world want to visit the same big attractions. In my daily life I avoid crowds at all costs. When traveling I just take them as part of the package deal. Some great memories I have are due to big crowds, super busy day on the Rome subway a young local delivery man warning us to watch out for our personal items.. In Florence out in the streets while they were having a giant labor protest.
So take the good, roll with the bad and make the best of it. Mostly enjoy each and every minute that you get.