I'm with you. I'm 60 and my wife is 56. We also want to avoid COVID and did not feel good about going down to Florida right now. We canceled our Contemporary reservation for September and rescheduled for September 2021. I also guess I could not personally justify the cost of the Contemporary Resort what with the reduced park hours, reduced dining options, reduced menus, no tours, no dessert parties, no fireworks, etc.
It did make me feel a little better knowing that Disney is simply a diminished vacation right now...and I know that I probably would have come back complaining to myself that it was not worth the cost. While that cannot fully erase the pain of our first ever Disney trip cancellation and the agony of wanting so badly to go, we are just looking forward to next year and hoping that things will get better by then.