It's anybody's guess, but I think with all the cancellations/modifications going on right now due to closures that next years rates might be delayed a little. But that's just my opinion.
Unless things have changed, booking prior to new rates being released will not lock you into the current year's rates. You will be quoted the highest rate for the current year for that resort/room type and your reservation will automatically be adjusted once the new rates come out.
I agree.
You are understanding correctly. If you intend to book a package for next year, you will have to wait until the 2021 rates are released.