When our Italy/Greece cruise was canceled back in May, I took the refund. The similar cruise for the following year was about the same amount of money when released so I deposited on that. That amount of money is all I was comfortable leaving with
DCL in these times. I will be cancelling before my PIF date in February if things with the pandemic have not improved. The extra savings was not worth it to me. Only you can decide. Things for us are just too uncertain.