So following is a post I put on cruise forum (the upshot after below is that I was supposed to cruise in August... and still may.... but I have a camping back up plan in case... half a week visiting Gettysburg and then half a week somewhere else upstate NY or northern New England...)
Took the plunge and paid in full today (our PIF date for August 8 Fantasy). Figure the following are possibilities.
A) Disney cancels cruise and gives 125% to future booking (we made ressie for same cruise next year).
B) Disney cancels but no longer gives that much of a cancellation compensation, but at minimum you get your money 100% refunded.
C) Disney sails the cruise, but with so many reductions in what you can do that I would call and cancel and request full refund because of the totally changed experience (Does Disney HAVE to give you 100% back after pay in full... no, of course not... and it is quite clear in their policies about how much is refunded beyond certain dates... HOWEVER... MY opinion is that Disney would not refuse a full refund for later cancellations at this time based on the current situation even though they are well within their right not to refund 100%).
D) The cruise goes with only minimal modifications while keeping (somehow) kids clubs, pools/slides, and shows relatively easily accessible. I think we can all live with served to us buffets. We would likely go in this case.
My GUT feeling (which may be completely wrong) is that I don’t know how Disney will be able to sail in August AND keep the experience at some sort of level that meets expectations of A
DCL cruise. However, maybe they will somehow be able to surprise us. I booked next August as back up, I can easily fill this week this year with another sort of vacation, and I (in my opinion) think I can get at least a 100% refund on my cruise price at any point before departure under current circumstances... we’ll see....