I'll throw in my two cents. I was on the Adventure of the Seas back in June and I had a great time. Granted, it was a "vaccinations required for all over 16" cruise but a lot of the protocols were still in place for the mixed cruises. Closed off seats in the theaters, all crew wearing masks, spacing out during trivia, bingo, game shoes, spaced out during dinner, reduced capacity in the pool, no deck parties, when going to a "dance club" event, dancers could only dance in "spotlight" areas on the floor for distancing. Overall, the cruise felt more normal than abnormal (I don't have any kids). But the things I love most about cruising are the simple things like reading on the pool deck, trivia, the food, just me and the ocean on the balcony, and talking to crew and new folks. I got to do all of those things and have a great time.
I think it boils down to what you enjoy about cruising and what you feel you might miss out on with current restrictions. Characters are nice but not a deal breaker for me. I've got a trip on the Dream scheduled in August and October. I know things will be different but I don't think it'll hit me in the way that'll be detrimental to my experience. Personally, I would rather have time on the ship instead of dealing with the crowds, traffic, heat and lines of WDW. Whichever you decide, I DO hope that it will be filled with fun and relaxation after the year we've been through!