Do what is right for you and your health. We had a HAL cruise booked for 3/4/2020 to 3/17/2020, when covid was first starting. We chose to not go. We had decided not to go even if our ins. would not give us our money back. We did get our money back, we had cancel for any reason ins. At the time we made our decision I did not think our ins would give the money back. But they did.
That cruise was the last cruise that that ship made. Then cruising stopped. We were so glad that we did not go.
We still have not gone back to cruising. We miss it a little, But with our health (preexisting conditions and age) we feel safer on land with our own DRS.
I don't want to be on a ship now, for us taking a cruise now would not be like before covid.
Everyone has to decide for themselves. Are you going to be able to enjoy your cruise? Are you going to be able to enjoy all the on board actives like before? Will you have any fear attached to the cruise?
Think it out and do what is best for you.
I wish you the best.
Geo