This is a hard one for us, too. We're all set for early December. FWIW, I'm a very cautious person, fully pro-vax, pro-mask. (Not looking for a debate, just telling you where I'm coming from.)
I'm not expert, but I don't think Covid is ever going away. It sounds to me like Covid will become endemic, that is, something that we'll just have to live with permanently - sort of like the flu or common colds or cancer. It is what it is. So from where I sit, it'll probably get slowly better. The danger of Covid will (I hope) slowly decline as more of us either are infected or vaxed or both. Therapies and medications will get better. We'll get faster at Covid boosters, perhaps as an annual thing mixed in with our flu vax.
I think we'll get to a "new normal" where Covid is just one more of those everyday life risks that we have to live with, like car accidents, tornados, and cancer. We do our best to minimize the risk, and then go on living.
BUT... we're not there yet. And we simply don't know enough yet to quantify or understand the risks as thing stand today. Pre vaccine, NO WAY I was going anywhere near Disney. The risks were way to high, IMO. (Again, not looking for a fight, just helping you understand my thinking process, right or wrong.) Then, this summer, post-vax, I was like "yeah, we can do this!" The vax was almost magical in ending the risks and fears.
But now with delta... well, we're in some sort of murky unknown in the middle. It's like March 2020 was "the bad old days, lock yourself in your house" and June 2021 was "hey, we can live again" I think August 2021 is "shrug my shoulders, we're somewhere in the middle but no one knows" territory.
So we're a bit lost on a decision about Disney.
One of us is, potentially, immunocompromised. Delta is on the rise. Anecdotal evidence is that there have been quite a few "transmission events" at Disney. Even if Disney is perfect, getting there involves Ubers and airplanes and airports. With all of that, it seems silly to go.
On the other hand, in a month I'm going back to work in a high-intensity location with lots of people and my older son is going back to school. It'll all be with masks on, but it's not like we can be free of risk. We're all vaccinated and have no small kids at home. Our plane tix are non-refundable at this point, so we'd be out $1k right there if we cancel.
At some point, we'll all just to have to start living again when the risk gets low enough to be in that "tornado, cancer, car accident" range of risk. But is that point right now? Or next month? Or last month? Or January 2022? Or 2023?
Heck if I know. (And I'm not real confident of anyone who loudly claims to know.)
So I'll sit here and stew on the decision for a few more months, glad that most of my trip is refundable or postponable.