What’s is holding us back?

Such a lot has happened to you Betty65, in a relatively short space of time. Even in “normal” pre pandemic times, what you have gone through with your mother would have taken its toll, but with it happening during lockdown, then you suffering from covid, then you hurting your knee, and having to cancel your holiday, it’s bound to affect both you and your DH emotionally. Try to be kind to yourself - grief affects us all in different ways. As other posters say, Crete will be there for another time when you and your DH feel more confident. In the meantime, perhaps start building your confidence for travel by booking some short breaks in the UK, or even days out to start with, then when you feel emotionally stronger, Crete will be there for you.

Meaning - Crete will be there when you are ready

Too much has happened, you may need time to mourn your loss and find your new normal

Crete is not going anywhere.

Yes. I agree with NS. Im not surprised you feel as you do. Try a short break away then rebook Crete. My favourite Greek island. Lovely people and so much to see and do. Good luck.

You are not on your own so many other people have the same mood. Besides being run ragged with family problems life in general and health issues. Covid has created a difficult life for many and caused stress and anxiety. It can knock your confidence and make some people indecisive too.
I would enjoy what summer we have and plan a really special trip. Later this year or early spring time you might be in a better frame of mind. Whatever you decide to do encourage each other you won't regret it. You deserve something to look forward too everyone does.

Betty I could have written your post, so you are not alone. My MiL used to live with us, she had lots of ailments and she couldn’t really be left, now she’s no longer there and we are ‘free’, we don’t really want to go on those long haul holidays we were dreaming of. A lot has to do with Covid, now everything is too much trouble. Easier to stay home or at least local, but I realise we are not youngsters, ill health may not leave us a choice for much longer.

I think you are subconsciously afraid something else bad will happen.
I might consider a few days away first somewhere easy but different and see how you feel.
No need to rush into it.
Your lust for life will surely return.

It’s simple, given everything that you have been through and the world has been through you have lost your nerve. It doesn’t matter, you can slowly build up again. Do hope you can enjoy a holiday soon.