As a simple OAP SLF my view.
Hartington I'm with you, I'm so risk averse I don't go anywhere in the UK I'm not happy with as the risk is too great. I used to have great weekends away all over the country but not any more. We only go to our holiday home in Devon as we can effectivley self isolate there.
We were supposed to be in Canada visiting relatives this month and I tried to cancel back in May when it became apparent the scale of the problem but BA wouldn't let me. It was a great relief when the flights were finally cancelled about 3 weeks before departure. I have no desire to fly anywhere else so vouchers were of no use to me and I insisted on a refund.
Will i rebook next year? very unlikely. It may be a long while until I feel safe enough to fly again.
That's my view anyway.