The odds of a single contact involving the virus are small, assuming independent events and random exposure. However, the probability of being exposed to the virus after several hundred contacts approaches certainty. Just do the math, and you will see. So we will all be exposed at some point. I won't cruise until my wife and I feel it is safe -- that we can mitigate the risk, or have access to effective treatment, or have access to a vaccine. This is still a virus the kills healthy people without underlying conditions.
But we face parallel risks at home -- going for groceries, gas, etc. Again, we will all be exposed within a year unless we are recluses. At some point we will make a personal decision to balance the risks at home and travel.
We are scheduled to cruise in early 2022, and I believe that will be a good time.