But with the current state of covid, if they refund you for covid they'd have to refund you for a litany of other things, too. Definitely not in their best interest for that.
End of May now, though it doesn't look like the FAQs are updated
https://www.royalcaribbean.com/content/dam/royal/resources/pdf/covid-19-cancellations-and-refunds-policy.pdf
The fees are only for changing ships/dates. A simple reprice (to which you make sure you ask for a reprice when you call, not a rebooking) doesn't cost you anything.
Ask your suite concierge when on board if there are any cabanas left.
Prices were sky high in the cruise planner before the cruise, but were available once on board for much more reasonable prices.