Hi,
@Disney Girl 2020,
What would I do in your place? I'd cancel now and be happy that I'm doing the best I can to minimize my loss. And, for your future reservation, I'd reserve through Disney directly so that I wouldn't be faced with this dilemma since you can cancel a room-only reservation made through Disney up to 5 days before check-in without penalty and even if you don't cancel then, you're still out only one night's payment.
But this is me. For me, there are too many variables at play here. When will WDW reopen? Unknown. Will the person you're renting from want to or be able to move your reservation and if they do and/or will, what if it's moved to another time that the parks and resorts are closed?
I'm assuming you don't have
trip insurance? And yet even if you did, it might not cover this.
The question you have to ask yourself is how much money are you willing to lose? For me, I'd minimize my losses right now. You might have a different feeling about this. No one can accurately predict what's going to happen.
I do think that the WDW resorts and parks will still be open and running and thriving at some point, so you can start planning for a vacation next spring.
BTW, I have an upcoming trip that's going to end up canceled, I'm sure. I'm just waiting for the official word before I do anything. But I booked my room through WDW, so I'm not in the same situation you are and I feel your indecision and disappointment. I hope you make the decision that you're most comfortable with. After that, it's up to the gods.