Like you, we have non-refundable DVC rentals and have been planning this Christmas trip (first time there for actual Christmas, second time for the Holiday Season) for a year.
There has been a change though. It's just me and my 75+ year old parents. My father has decided it's just too risky and he doesn't feel safe going. He has rheumatoid arthritis and diabetes, so it's totally understandable. My mother, however, insists that she's still coming. She'll be celebrating her 78th birthday down there (Dec 23). She loves WDW as much as I do, and even though I told her multiple times that she can stay home with Dad (I mean...it's Christmas!) and I'll happily go solo (I'm getting my DVC $$ worth! LOL) she refuses.
So, it'll be a Mother-Daughter Birthday/Christmas trip. We know it will be different than other trips, and we're going to be very careful about masking up, washing/sanitizing hands, and socially distancing while we're down there. We'll still have fun! We always have fun at WDW!