My feeling on this is that you can't live thinking what if. You need to just go ahead and live life and if something causes you to Pivot along the way and change plans than you do it. Regarding the pandemic, it was worldwide enough that people were able to cancel their booking and rebook down the road. Our family was supposed to cruise the week everything shut down. When we did rebook we got a much better rate and we were given $3,000 of onboard credit. We were still able to enjoy the vacation that we booked just at a later time