Another medical family here. DH is has been an ER physician for over 30 years, also being hospital chief of staff for many years, EMT Director, Department Head, and worked on the front lines when the local hot spot erupted so he has a solid handle on what COVID is and how to respond. He has always focused on the facts and precautions. We went to Universal for 4 days over the July 4th weekend and 5 days at Disney when the parks opened without hesitation. (And, yes, we are both over 65 if you are doing the math!)
When we went to Disney, they were only taking temps at the parks, so our experience is not current with multiple temps. We really preferred the Universal method of hand sanitizer before every ride. For both Universal and Disney, we found the worst times to be after the parks closed. The Kidani pool was insane! Cabana Bay had a better handle on the pool crowds. Nobody monitored numbers at the Kidani pool and no tables were blocked off for social distancing. CitiWalk was also crowded and uncomfortable after the parks closed. Therefore, we didn't swim in the evening or go anywhere there were uncontrolled crowds. I made a run to Sprinkles in Disney Springs (just me to avoid contact with our entire group) and it was disturbingly crowded.
Our restaurant experiences were similar and I'm hoping they are all changing on a daily basis. We had the most problem with other guests that were not compliant with social distancing than Universal and Disney established procedures. We researched what they were all doing and saw value in it. We didn't shop much (due to indoor crowding) and took our own water into the parks. We used disposable items as much as possible, such as ponchos and water bottles. We did not use refillables.
We actually ordered Uber Eats a few times to avoid evening crowds some nights. We felt safe in the rooms at all times. We also had groceries delivered for breakfast and snacks.
We made the decision to fly because we felt it would have been more of a risk for us to find safe places to stop en route. Like others have posted, we avoided contact as much as possible at the airport and on the plane. We used Tiffany Town Car instead of Uber or Magical Express to limit the chance of contamination.
Over all, we used common sense, especially with social distancing. Masks were not a problem and we took several. We had to be alert to be aware of the different social distancing stations at each attraction and it took an effort to do that but it was worth it. We trained ourselves to use hand sanitizer after every ride at Disney before we touched anything else. In our opinion, it was not as much of a concern as to "what" the procedures were but "how" to be compliant. We all felt both Universal and Disney were being proactive and adaptive. We hope they listen to others when restaurants, pools, and some public areas are problematic. For our family, we went with the attitude that things would be different and we were going to be appropriate and safe. 95% of the time, we felt the environment we were in was set up for our safety. Having been to Disney multiple times a year since the early 80's, we didn't feel this trip was much different from the others during the day. The evenings, tho, were kinda boring to say in the room.
DH thinks we were safer at proactive places like Universal and Disney than running errands, going to church, and other daily routines at home. Just our opinion.