I would love some advice from people who understand the world of DVC rental better than I do. I just got my quote for booking a split stay at beach club and poly for mid May of 2021. The quote was a little more than I expected but still more cost effective than booking through Disney. Because of COVID and booking such a far way out, our travel insurance looks like it will be around 330 which is no small number to our family who has lost a significant amount of our income due to the pandemic (not to mention shelling out the cash for half the stay) The questions my husband and I have right now are, should we wait until 7 months out for better rates? But will there be any availability closer since so many people will be rebooking? Would it be safer to just continue to wait and see how this all plays out and stay at a moderate instead for our next trip where we have more control over dates and canceling? Part of how we have coped with quarantine is planning our dream trip with our girls and so we are really hoping for our income to come back and disney to be back closer to normal so we can have something to look forward to. But we are also in the camp of people who don’t want to spend the thousands for mask wearing, no parades, fireworks, character meet n greats. Thanks for letting me ramble and for any advice you could offer!