I arrived in Budapest with Kyiv hotel reservations and Ukrainian train tickets in hand. Very dear friends in Kyiv helped in the arrangment of everything. We were both looking forward to it. A few days prior to my starting the trip my friends in Kyiv called a little panicked. Some situations had changed and they "wished" I would put the trip off temporarily A few weeks later they came and visited me in Budapest and stayed on in Budapest after I returned to the States. The train tickets are changable so we plan again.
I talk on a daily basis with aquaintances in Odesa, Lviv and Kyiv and i get the news feeds on the war because I worry about my friends, and the future of the world to be quite honest. Nothing wrong with making the trip if you do it fully informed. You will do a lot of good for them if you do.
As for the comment on the insurance. It is not just recommended, it is a requirement (unless somehthing has changed in the last 60 days). Has been a requirement for years and on every trip, they did check.