Know how you feel DS, we are in the same boat with a Florida holiday for the end of July.
We've paid it in full but don't fancy the first week in the parks with masks and distancing, they are bad enough without!
So what to do, wait and hope it's cancelled for a refund, or take a voucher, which we are waiting to see if we would have to use it this year or next. If we go for the voucher, the company will only let us use it on long haul. Gutted, as for that money we would have got a nice villa on the Med.