I had a wonderful trip planned to France and Spain for Fall 2021. I watched COVID stats and government response all summer. In the end, we decided it was too risky for us as we have a few high risk individuals in our family and we also worried about getting stuck somewhere because requirements seemed to change on a dime, and we certainly did not want to bring COVID home to our loved ones.. At the last minute, we cancelled France/Spain and went to Poland, instead. COVID stats were more favorable at the time, and airfare was dirt cheap. We had a fabulous time thanks in large part to some generous people on the forum that helped me to put together a very nice trip at short notice.
I have a "wish list" of places I want to go. At any given travel opportunity, I pick a place based on the time of year and the typical weather of each destination and the prices of airfare, etc., and now COVID risk. I commiserate with you. The whole COVID thing really stinks. I recommend planning a trip and making sure that everything is changeable or cancellable (or get travel insurance). If you are someone that can make a change at the last moment, I would mentally maintain a "Plan A", "Plan B" and a "Plan C" so that you can be flexible if need be. I'm convinced that for people that do have some risk aversion, this is the only way travel is going to work in the shorter term.