Yes....however, my trip is first week in November. I can't cancel voluntarily yet without losing a lot money, specifically the flight which was booked separately. There's no harm in just waiting to see what happens. If nothing changes by then, and travel restrictions are in place with the USA still a Red country, I get all my money back. If by then the UK considers the USA a Green country rather than Red, that changes the whole thing, perhaps I will feel safer going then. I'm secretly rather intrigued to visit the World under reduced capacity. See if rides really are a wait of 10 minutes. Be nice not to be shouylder-to-shoulder all the time. However, I can still cancel even then if I don't actually feel safe enough to go, and the penalties will be just the same as my cancelling now.
My trip is still almost 4 months away. Things could change a lot in that time. Could get much worse, could get much better. Look where the UK was 4 months ago. Disney's policies could have changed by then too...perhaps they'll have upped capacity again so those beneifts might not be so apparent. Or perhaps reduced capacity is still in operation but hopefully any teething troubles will have been ironed out and it's then running a slick operation. Perhaps Park Hopper might have returned.
One interesting point to note is that the election is taking place 2 days into my trip. The powers that be will be doing their utmost to ensure they look as though they've handled the emergency well.
However, as time goes on, it will become more and more apparent whether it's a no-go. Whether any improvement is being made or whether the situation is just getting worse. As I say, for me, there's just no harm in sitting tight for the moment.
PS. I paid in full for the holiday a long time ago. That probably puts me in a different position. I haven't got that dilemma as to whether to pay or to cancel.