I'm with EkwaNimitee and Esspee. Have enjoyed cruises in the past, and luckily got my money back for holidays booked for last year; but re. booking again, who wants the hassle in these uncertain times? Agree too that cruise ships can be a petri dish for viruses.
Some of my friends who chose to put off their bookings until this year or next still can't plan to go to the places they want to visit - and, if they cancel now, they will lose their deposits. In some cases, this will be a lot of money.
I was looking forward myself to those holidays I booked. I had previously had my share of responsibility and worry re family ill health (not Covid). This limited where I could go; what I could do; and with whom, for several years. Don't need any more disappointments, thank you!
After I'm vaccinated, when it's considered safe, and it is clear other countries are happy to have me visiting them, I'll be off. Until then - only after it's allowed of course - I'll be finding interesting places to visit in the UK.