"Sounds like I get trip insurance, buy fully changable airline tickets, make an exit plan including lodging for each stop and keep a mask on."
Trip Insurance: I usually purchase trip insurance but I've come to realize my main concern is the possibility of an air ambulance home if I am very ill. I get a policy that has a $500,000 to 1 million coverage on this. I went with 1 million on my October 2021 trip because people were still winding up on ventilators and I wanted that remote possibility covered. I figured I could self cover 10-14 extra days in a hotel on my credit card so you need to see what exposure you are comfortable with here. Be sure to ask questions before you purchase insurance. Many buy Cancel For Any Reason insurance then find out their "reason" is not covered. It's not actually ANY Reason, the companies do have parameters. I'm comfortable with how Rick's company has handled refunds for Covid + people on tour. I was not comfortable with the other company I travel with so figured if something happened I'd probably just lose that $$ unless I covered it.
Airline tickets: I am a solid Delta customer. I am satisfied with their offering vouchers for cancelled trips as I would fly with them again. I'd suggest you look at the airline's policies on refunds before you book and see what level of ticket you can live with. It does not sound like you have flown since the pandemic so definitely check out your airline of choice and see what they are doing. Book with a Legacy Airline if you are worried over one of the lower cost carriers. Sometimes the lowest fare is not the best in the long run. Also look at the different fare classifications. I think Delta's cheapest fare does not offer a voucher option but I'm not sure as I generally fly Economy Comfort or Delta One. Do look carefully before your purchase.
Exit plan for lodging at each stop: I am not sure if you are joking here or not. This is excessive. The RS company will help you figure out a plan. Early on in my return to International Travel I did worry about this for my independent time but did not worry about it on a tour time. I chatted with the hotel desk of one of my go-to hotels in Paris about quarantine/isolation stays and they were happy to have me if they had vacancies. That gave me a big sigh of relief. They were much more casual about it than I'd thought.
Masking: Yes, this. As mentioned above I just returned from the 17-day Best of Italy. This year RS required masking but I would have done it anyway. I went on 2 tours with another company in Oct 2021 and May 2022 who did not require masking but I continued to mask. I just put my mask on in the AM when I left my hotel room and took it off when I returned at night, except of course for eating. I also have masked with an N95 in my home since I returned Monday night until I could be sure I've not brought anything home with me. While masking is not my favorite thing to do I'm comfortable wearing an N95 all day long including on the flights over and back where I had it on in excess of 24 hours each time. My tour guide for this last trip was insistent on everyone masking per Rick's rules. She said none of her tours had had problems but felt that once one person brought it to the group Covid had the potential to rip thru, thus strict enforcement of masking was needed. There are also things you can do to help increase your chances of staying well.
I loved the 21 day tour but if going on tour is going to worry you excessively then maybe 2023 is not the year for you? Or maybe you'd feel better on a single country tour? To me multi-country vs single country makes no difference at all. You're still on a bus with 25 others for "x" number of days as well as coming thru airports across thousands of miles.
I hope you work out a solution that will make you happy! BTW, I learned SO much about travel from my 21 day BOE guide, Dimitri!