For me it's all of the above. Heat is definitely an issue, I live in NYC and wear a mask anytime I step out and when it's hot out it's awful. When it's cold...still awful. I'm very uncomfortable in masks in general, so I rather wait to visit WDW when masks are not required because WDW is a very expensive trip for us and I don't want to be in a mask. It's my magical escape and the mask is a very unpleasant experience for me. My wife feels differently, she would be fine going with the requirement. Our next trip my sister-in-law is going (her first time!) and she feels as I do: it's going to detract from our expensive vacation so for our family, it's better to wait.