I retired on Friday, March, 13th, 2020 - just when Covid was starting. I fortunately took a cruise in Feb, 2020 and I'm so happy about that, but I had two other cruises booked in 2020 that were either canceled with a full refund or L&S.
I'll be 72 in July, but I'll be darned if I will be held hostage by what I consider to be unnecessary protocols in order to cruise. Like it or not, I may not cruise again unless rules change.